Retirement Plan


Most people look forward to retiring at some point, but to have a comfortable retirement, one has to plan well not only in advance of retirement, but in preparation for the distribution phase of your retirement. This requires the discipline, diligence and motivation to begin saving early in life and a distribution plan to help you ensure that you do not run out of money in retirement, most retirees’ biggest fear. If you are committed to making your retirement the best it can be, at Harding’s Wealth Managers in Gilbert, PA, we have the tools to help you get there and create a plan that will provide you with income for life.




Process & Phylosophy


We take the time to work closely with you, gathering all of the details of your financial situation and your specific goals for retirement. This information allows us to create a personalized retirement plan. It’s never too early to start working on your plan; in fact, the earlier, the better. Even though it may be difficult to encourage yourself to save for several decades in the future, it will be worth it when you can enjoy the leisurely, comfortable retirement you have been dreaming of.

Plan for success

Because average life expectancy has increased, some people may spend a third of their lives in retirement, which means it is essential that you have the savings to support yourself and your family in the future. Although it is impossible to guarantee that you will have enough income to support yourself in retirement because of the constantly changing economy, the more planning and saving you do, the better chance you have of success.

Your Retirement Plan

Based on your unique needs and goals, we create a customized retirement plan that can include any combination of the following:
IRA Accounts SEP IRA Plans Simple IRA Plans Unique 401(k) plan solutions 412 (i) Plan Solutions
We will discuss with you the pros and cons for each type of plan and will provide unbiased advice as to what will benefit you the most.

Secure your income during retirement.

Enjoy the peace of mind that comes from knowing that we can help you secure your income when you retire, so you can maintain your quality of life. An income for life plan is a great option for individuals with high incomes who want to continue having a steady influx of income post-retirement. At Harding’s Wealth Managers in Gilbert, PA, we can help you determine if an income for life plan is right for you and can help you create one that is tailored to meet your needs and goals, and which will help you to have an increasing income during your retirement years.

What is an income for life plan?

In an income for life plan, your assets, including your savings, 401(k), IRA accounts, social security, and more, are gathered into a fund pool from which you can draw a fixed amount of income at fixed periods throughout the duration of your life. Based on your expectations for maintaining your quality of life during retirement, we will help you determine the amount of money you wish to receive as your lifetime guaranteed income. From there, we guide you in calculating the amount of money you need to earn and save to make your income for life plan feasible.

An income for life plan gives you the security of knowing that even post-retirement, when you aren’t getting a paycheck, you will have a consistent income that will contribute to your ability to fulfill your retirement goals and dreams.

Frequently Asked Questions


Covid Financial Information

As the coronavirus pandemic continues to develop worldwide, we at Harding’s Wealth Managers are monitoring its ongoing effect on the markets and on our communities.


How Wealthy People Use Professional Money Management

Just as surgeons don’t operate on themselves, wealthy people usually do not invest their own money. They have investment professionals invest their money for them.

Six Best & Worst IRA Rollover Decisions

IRA owners and their advisors can make expensive mistakes handling IRA rollovers. These mistakes range from the simple to the complex. A simple mistake occurs when an employee takes a check when they retire and their employer must withhold 20%. In order to complete a tax-free rollover, the IRA owner needs to replace the 20% withheld by their employer using their own funds to meet the tax-free rollover requirement within 60 days. Then there’s the more complex mistake—the advisor who does not realize that his client may be ahead by distributing employer stock and paying taxes now (likely at 15% federal) rather than rolling over employer stock and paying up to 37% later.

For Those Who Want To Prosper & Thrive in Retirement

You will likely live longer than you may realize, questions you should be asking are; How will life expectancies impact your long-term goals. How to generate sufficient retirement income. How to maintain affordable health coverage. How to maintain your independence at advanced ages. How to best leave assets to heirs.

Get Started Today

For more information, or to schedule an appointment, contact us today at 570-977-7417. We look forward to giving you the financial guidance that helps you reach your dreams!

Harding’s Wealth Managers
1310 US-209 #102
Gilbert, PA 18331
Phone: 570-977-7417
Monday – Friday
9:00 AM – 4:00 PM
By Appointment

Book a Free 30min Consultation