Build a retirement income strategy that replaces your paycheck reliably and lasts as long as you live — personalized guidance from an independent financial advisor.
Book a Free ConsultationRetirement planning is far more than picking a savings account and hoping for the best. It is building a personalized strategy that coordinates your income sources — Social Security, IRAs, 401(k)s, annuities, and personal savings — to reliably replace your paycheck and sustain your lifestyle through what could be a 25- or 30-year retirement. Michael Schroder helps clients across the Omaha metro and Nebraska understand exactly where they stand today and what it will take to get where they want to be.
For many working adults, the most immediate retirement planning opportunity is addressing an old 401(k) from a former employer. Those dollars are often sitting in a plan with limited investment choices and high administrative fees, managed by no one. A rollover IRA can consolidate those funds, expand your investment options, and keep your retirement savings working efficiently — without triggering taxes or penalties when handled correctly. Self-employed individuals and small business owners in Omaha can take advantage of SEP-IRAs and SIMPLE IRAs to defer significant income while building long-term wealth. Michael helps business owners structure these plans to maximize tax efficiency while meeting their business cash flow needs.
Perhaps most importantly, retirement planning requires ongoing attention. Tax law changes, market cycles, life events like job transitions or a spouse's retirement, and shifting healthcare costs all affect your retirement picture. Michael provides regular plan reviews — not just a one-time appointment — to ensure your strategy stays aligned with your goals. For clients within 10 years of their target retirement date, this proactive monitoring can make a meaningful difference in financial readiness. All investment strategies involve risk, and past performance does not guarantee future results.
Traditional and Roth IRA options with guidance on contribution limits, deductibility, and which account type may be more advantageous for your tax situation.
Consolidate old employer plans into a rollover IRA without triggering taxes or penalties — gaining more flexibility and clearer oversight of your retirement assets.
Self-employed Nebraskans and small business owners can contribute significantly more than a standard IRA allows, reducing taxable income while building retirement wealth.
Claiming Social Security at the right age can meaningfully increase lifetime benefits. Michael helps clients model different scenarios to make an informed decision.
Understand exactly how much you may need in retirement and whether your current savings rate is on track — with realistic projections tailored to your goals.
Retirement plans are not set-and-forget. Regular check-ins ensure your strategy adapts to life changes, tax law updates, and evolving market conditions.
The earlier you start, the more time compound growth works in your favor. Even modest contributions today can make a significant difference in your retirement income decades from now.
If you've changed jobs and left retirement funds behind, now is an ideal time to consolidate and regain control of those assets through a properly structured rollover IRA.
Without an employer plan, the responsibility for retirement savings falls entirely on you. SEP-IRA and SIMPLE IRA plans offer powerful tax advantages designed specifically for business owners and the self-employed.
This is the most critical planning window — when decisions about asset allocation, income sequencing, Social Security timing, and healthcare coverage can have the largest impact on financial readiness.
A common benchmark is replacing 70–80% of your pre-retirement income annually. Whether your current savings rate will get you there depends on your timeline, expected return on investments, planned retirement age, and anticipated expenses including healthcare. Michael helps clients run a retirement readiness analysis to understand the gap — if any — and what adjustments may close it. All projections involve assumptions and are not guarantees of future results.
A rollover moves your old employer's 401(k) funds into an IRA without triggering taxes or penalties — as long as it's done correctly. Rolling over can give you more investment choices, lower fees, and better oversight of your total retirement picture. It's not always the right move — sometimes staying in a former employer's plan has advantages — but in many cases, consolidating into an IRA is the smarter approach. Michael reviews your specific situation before making any recommendation.
You can claim Social Security as early as 62 or as late as 70. Every year you delay past your full retirement age increases your benefit by about 8% per year. However, the right timing depends on your health, other income sources, whether you're married, and your broader financial picture. Michael helps clients model different claiming scenarios to identify which approach is designed to maximize their lifetime income.
With a Traditional IRA, contributions may be tax-deductible and growth is tax-deferred — you pay taxes when you withdraw in retirement. A Roth IRA uses after-tax contributions, so qualified withdrawals in retirement are tax-free. Generally, if you expect to be in a higher tax bracket in retirement than you are now, a Roth may be more advantageous. If you expect lower taxes in retirement, Traditional may be better. Consult a qualified tax professional for advice specific to your situation.
Schedule a free, no-obligation consultation with Michael Schroder to see where you stand and what steps can help position you for a confident retirement.
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