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Home >> Services >> IRA and Retirement Planning in Port St. Lucie and Vero Beach Florida

IRA and Retirement Planning in Port St. Lucie and Vero Beach Florida

Achieving a secure retirement has become more challenging than ever as increasingly few employers offer defined benefit plans and as concerns about the long-term viability of Social Security benefits rise. When you cannot count on your employer or the government to provide enough for you to be comfortable in your golden years, the future is in your hands. You want to ensure you’ve built a comfortable nest egg, so you should get started as soon as possible and you should make informed choices.

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Kulas Law Group provides comprehensive assistance with retirement and IRA planning. Our legal team is here to help you explore all tax-advantaged accounts for retirement so you can maximize your savings with subsidization from the government. We can also provide guidance on setting goals, on safe investments, and on other things you need to know to work towards a secure retirement. No matter what phase of life you are in, we can help. Contact us today to find out what services we can offer to clients in Vero Beach, Port St. Lucie, FL, or surrounding areas, and to get answers to questions like:

  • When do I need to create a retirement plan?
  • What are IRAs and what kinds of accounts should my plan include?
  • How can a Port St. Lucie retirement planning lawyer help me?

When Should You Create Your Retirement Plan?

The creation of your retirement plan should begin as soon as possible. When you have a retirement plan in place when you are young, you can start early on saving and take advantage of compound interest to grow your nest egg. Many types of retirement accounts also have annual contribution limits, and if you miss a chance to contribute, you forever miss the opportunity to put aside that year’s tax-free contribution. There is no reason to wait- you should get started today.  

An experienced retirement planning attorney can help you to decide exactly how much you should be saving each year and can help you to ensure you are making the most informed choices about how to benefit from tax-advantaged retirement investing.

What are IRAs and What Types of Retirement Accounts Should You Invest in?

One of the best types of accounts to use when saving for your retirement is an Individual Retirement Account, or an IRA. You can use an IRA if you do not have a 401(K) plan or other type of retirement plan at work, or you can use your IRA to supplement your employer’s retirement account.

IRAs allow for you to put aside money with help from the government in the form of tax breaks. Your money can either be invested tax free or it can grow tax free, depending upon which type of IRA you decide to invest in. Options can include a standard IRA, which allows you to invest pre-tax money, or a Roth IRA, which allows for money to grow without gains being taxed.  For those who are self-employed or who run their own businesses, there are also additional types of IRA accounts, including a Simple IRA or a Sep-IRA.

IRAs have income limits and annual contribution limits, so it is important to understand the specific rules for the retirement accounts you are considering. An experienced attorney can help you to decide whether an IRA is right for you and can assist you in exploring all options for retirement accounts.

Your retirement planning attorney can also advise you on your savings goals and can help you to evaluate other types of retirement accounts and investments that you may be interested in, including annuities and universal life insurance policies, to make sure that you are making informed choices and taking the right steps to achieve your secure retirement future.  

How Can a Port St. Lucie Retirement Planning Lawyer Help?

Kulas Law Group is a full-service elder law and estate planning firm which provides comprehensive assistance with retirement planning to clients in Port St. Lucie and Vero Beach, FL. If you live in these locations or surrounding areas, we can assist with all aspects of creating your comprehensive retirement plan. From explaining rules for tax advantaged accounts to providing advice on retirement goals, we aim to provide the help you need to build a strong nest egg for your golden years. To learn how our Port St. Lucie retirement planning lawyers can assist you in creating a secure future, give us a call at 772-398-0720 or contact us online.

Kulas Law Group

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Client Review
August 25, 2020
    

We began our estate plan process in 2004 (12 years ago) and have been pleased with the periodic reviews we have gone through and when changes have been needed the firm has been thorough and professional in making those changes.

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~L.G.K
~Joan C
Client Review
August 25, 2020
    

I have known Robert Kulas for 20 years since I was co-executor for friends who had Mr. Kulas prepare a Trust for them. When I felt I needed a trust also, I came to him. I have always been completed satisfied with his work and that of his charming, competent staff.

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~Joan C
~Mildred W
Client Review
August 25, 2020
    

Mr. Kulas and his staff have been extremely helpful & knowledgeable for the over 3 years we have been associated. They are easy to talk to and explain everything without feeling rushed. Very competent and professional.

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~Mildred W
~Leo C
Client Review
August 25, 2020
    

I have worked with Mr. Kulas & staff before. And they are very professional. I am very satisfied with Mr. Kulas and his staff and give them the highest satisfaction and 5 star rating.

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~Leo C
~Krissy L
Client Review
August 25, 2020
    

Robert Kulas and staff made making a will an easy to understand process. They were very knowledgeable and attentive to my wishes. All my documents were provided in an organized binder which will be a great asset to my family. I would definitely recommend them.

default image
~Krissy L
~Janice M
Client Review
August 25, 2020
    

Everyone treated us extremely well.  Robert explained how a trust works and the benefits of having one.  We decided to move forward and complete the process.  He was very kind and knowledgeable.  Julie was also very helpful and very patient with our questions.  We felt very comfortable with this firm handling our affairs.  We would highly recommend this firm to our friends and family.

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~Janice M
Janice M
Client Review
August 25, 2020
    

"Everyone treated us extremely well.  Robert explained how a trust works and the benefits of having one.  We decided to move forward and complete the process.  He was very kind and knowledgeable.  Julie was also very helpful and very patient with our questions.  We felt very comfortable with this firm handling our affairs.  We would highly recommend this firm to our friends and family."

default image
Janice M
Krissy L.
Client Review
August 25, 2020
    

Robert Kulas and staff made making a will an easy to understand process. They were very knowledgeable and attentive to my wishes. All my documents were provided in an organized binder which will be a great asset to my family. I would definitely recommend them.

default image
Krissy L.
Leo C.
Client Review
August 25, 2020
    

I have worked with Mr. Kulas & staff before. And they are very professional. I am very satisfied with Mr. Kulas and his staff and give them the highest satisfaction and 5 star rating.

default image
Leo C.
Mildred W.
Client Review
August 25, 2020
    

Mr. Kulas and his staff have been extremely helpful & knowledgeable for the over 3 years we have been associated. They are easy to talk to and explain everything without feeling rushed. Very competent and professional.

default image
Mildred W.
Joan C.
Client Review
August 25, 2020
    

I have known Robert Kulas for 20 years since I was co-executor for friends who had Mr. Kulas prepare a Trust for them. When I felt I needed a trust also, I came to him. I have always been completed satisfied with his work and that of his charming, competent staff.

default image
Joan C.
L.G.K.
Client Review
August 25, 2020
    

We began our estate plan process in 2004 (12 years ago) and have been pleased with the periodic reviews we have gone through and when changes have been needed the firm has been thorough and professional in making those changes.

default image
L.G.K.
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PORT ST. LUCIE

East Lake Professional Center
2100 SE Hillmoor Drive, Suite 105 Port St. Lucie, FL,34952
Phone: (772) 398-0720
Fax: (772) 398-9331
  • PORT ST. LUCIE

VERO BEACH

Bridgeview Building
2770 Indian River Blvd, Suite 321, Vero Beach, FL, 32960
Phone: (772) 778-8481
Fax: (772) 398-9331
  • VERO BEACH

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Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 12:00 PM
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