Our Approach
In retirement, the focus shifts from building wealth to making it last — without sacrificing the lifestyle you’ve worked hard to achieve. Bickling Financial Services helps retirees create reliable income strategies, manage withdrawals, and plan for healthcare and legacy needs. With thoughtful guidance and ongoing oversight, we help ensure your financial plan adapts as life changes, supporting you confidently through each stage of retirement.
Core Financial Services for Retirees
RETIREMENT INCOME SOLUTIONS
Systematic withdrawal strategies from IRAs and 401(k)s
Social Security planning to receive optimal benefits
INVESTMENT & WEALTH MANAGEMENT
Conservative portfolio management focused on capital preservation
Dividend-paying stocks and bonds for steady cash flow
Re-balancing strategies to reduce volatility
HEALTHCARE & INSURANCE PLANNING
Long-term care insurance guidance to help plan for the future as medical needs become more complex
ESTATE & LEGACY PLANNING
Trust services to manage wealth transfer
Wills and beneficiary designations to help ensure an efficient inheritance process
Charitable giving strategies for legacy building
RISK MANAGEMENT
Insurance reviews to help ensure adequate coverage
Asset protection strategies against market downturns
Longevity planning to avoid outliving savings
Why it Matters
INCOME TRANSITION
Retirement shifts focus from building wealth to generating income. Planning helps retirees decide how to draw from pensions, Social Security, IRAs, and 401(k)s in a tax-efficient way.
LONGEVITY RISK
People are living longer, which increases the risk of outliving savings. Financial planning helps retirees explore sustainable withdrawal strategies and consider other income options.
MANAGING HEALTH & LONG-TERM CARE
Medical expenses rise significantly in retirement. Using Medicare, supplemental insurance, or long-term care coverage can help prevent healthcare costs from draining savings.
TAX EFFICIENCY
Required Minimum Distributions (RMDs) and withdrawals can trigger unexpected taxes. Using strategies like retirement plan conversions, tax-efficient withdrawals, proper timing, and more can help minimize liabilities.
ESTATE & LEGACY PLANNING FOR MULTIGENERATIONAL WEALTH
Wills, trusts, and beneficiary designations help ensure wealth is transferred smoothly. Planning helps protect heirs from probate delays and unnecessary taxes. We help to grow family legacies through thoughtful planning across generations, employing goal-driven portfolio management, dividend and interest bearing for steady cash flow, and rebalancing strategies to reduce volatility.
LEXINGTON MAIN OFFICE
35 Bedford Street Suite 15
Lexington, MA 02420
Office: (781) 862-9792
Fax: (781) 674-2545
LYNNFIELD OFFICE
SOUTH EASTON OFFICE
45 Bristol Drive, Suite 101
South Easton, MA 02375
Office: (508) 230-3588
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Hightower Advisors, LLC is an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Securities offered through Hightower Securities, LLC, Member FINRA/SIPC. brokercheck.finra.org