Retirement Planning
Retirement planning that starts with your six questions.
Not a product. A conversation about how long the money needs to last, what could go wrong, and what you’d want in place if it did.
What this is
A plan is a set of answers, written down.
Most people arrive with a pile of statements and a feeling. We start by sorting the pile: what you have, what it’s doing, and what it’s for. Then we go through the six questions every retirement plan has to answer — longevity, liquidity, inflation, market, a surviving spouse, and taxes — and write down where you stand on each.
What you get is a one-page picture you can actually explain to your family. Sometimes it says change something. Sometimes it says you’re fine. Both are useful.
This is for you if
- You’re within about ten years of retiring, or just did
- Your savings are spread across old 401(k)s, IRAs and a bank account and you’re not sure what the whole picture looks like
- You want a second opinion on a plan somebody else built
- You’d rather talk to a person than a chart
What we’ll walk through
Where you are
Every account, pension, and benefit on one page, with what each one is for.
The six questions
How long, how liquid, what things will cost, what a bad year does, what your spouse keeps, what taxes take.
Your options
The two or three realistic paths, with the tradeoffs of each said out loud — including “do nothing yet.”
Guide
Retirement income: how the pieces fit
A short guide to what each piece of a retirement income plan is for — and what it isn’t.
Questions people ask us
Do I have to move my money to work with you?
No. Plenty of first conversations end with “keep doing what you’re doing.” If a change makes sense, we’ll show you why before anything moves.
What does it cost to talk?
Nothing. If you decide to put a product in place, we’re paid by the insurance company that issues it, and we’ll tell you exactly how.
Are you licensed to manage investments?
We’re licensed insurance consultants. We don’t manage brokerage accounts or sell securities, and we’ll say so plainly if what you need is someone who does.
Related
Retirement Income & Annuities
Turning savings into income you can count on.
Social Security
When to start is a real decision.
401(k) Guidance & Rollovers
What your options really are.
Someone in your corner.
A conversation costs nothing and commits you to nothing. Bring your statements, your questions, or just a hunch that something could be working better.
Or call 270.438.2611 — a person answers.
This page is educational. It uses simplified examples and is not a recommendation for your specific situation. Numbers used in examples across the site are illustrations, not projections of what you’ll experience.
Lighting the way to a brighter financial future.
Family-owned since 1985. Real people helping real people across Kentucky and Tennessee.
Services
Studle
Visit or call
164 Old Porter Pike
Bowling Green, KY 42103
270.438.2611
Fax 270.495.3888
Monday–Friday, 8:30–5:00
Studle Financial Services provides financial guidance and insurance products to families and businesses in Kentucky and Tennessee. Information on this website is for educational purposes and is not individualized advice. Your situation is unique — please talk with a licensed professional before making financial decisions.
Tax preparation and filing services are provided by Studle & Associates. Studle Foundation is the charitable arm of the Studle family of companies.
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