Planning Services

Investment Real Estate and Retirement Planning, Tailored to You

Plan for Retirement. Build for the Future.

At Grigg Financial, our planning services are designed to help you prepare for what’s next—with confidence. Whether you're mapping out your retirement income or exploring how your investment property can work harder for you, we provide clear, practical guidance built around your goals.


We work primarily with retirees and pre-retirees, and we understand the unique challenges that come with transitioning into retirement, preserving wealth, and planning for legacy. Our approach is independent, customized, and focused on creating a living plan that evolves with your life.

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Planning Services We Offer

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Retirement Planning

Retirement isn't a single event—it's a long-term strategy. We work with you to:

  • Define your retirement lifestyle and income needs
  • Inventory your resources, including pensions, Social Security, IRAs, and 401(k)s
  • Plan your cash flow across retirement years
  • Align investments and risk strategy with your goals
  • Update and refine your plan regularly


We ask the big question: Do your resources support the life you want to live? If not, we’ll help you make a plan that does.

Our Retirement Planning Process

We believe a financial plan should work as hard as you do. That’s why we revisit it regularly, adjusting for life’s changes and market shifts to ensure it always reflects where you are and where you’re going. Here’s how our planning process works:

1. Define Your Goals

We begin by getting clear on what matters most to you. Whether it's retiring early, maintaining a certain lifestyle, or transitioning your investment property to the next generation, we start by defining success on your terms.

2. Inventory Your Resources

From income sources and retirement accounts to real estate and liquid assets, we take a full financial inventory. We evaluate what’s available now, what’s projected in the future, and how everything fits together.

3. Plan Your Cash Needs Over Time

Next, we forecast your income needs—year by year. This includes planning for lifestyle spending, taxes, healthcare costs, and unexpected expenses. We build realistic projections using conservative assumptions to help you feel confident, not stretched.

4. Align Resources With Your Plan

Once we understand your needs and resources, we help you build a strategy to make it all work together. That might include restructuring how accounts are used, adjusting your investment mix, or exploring options like a Delaware Statutory Trust (DST) to manage real estate.

5. Review, Refine, Repeat

This is where the “living plan” comes to life. We revisit your plan regularly—at least once a year—to update projections, adjust strategies, and answer the essential question:


 

“Are you OK? Do your resources still support your goals?”

The plan is to plan—again and again.

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Investment Real Estate Management

We help you evaluate how your real estate investments fit into your long-term financial picture. Our goal is to turn complexity into clarity—especially if you're looking to reduce hands-on property management or transition assets to the next generation.


We provide guidance around:

  • Passive income generation through investment real estate
  • Tax-efficient transitions using 1031 exchanges and Delaware Statutory Trusts (DSTs)
  • Wealth transfer strategies for inherited or highly appreciated properties
  • Planning for comparable income with reduced oversight
  • Liquidity strategies that keep your options open


Whether you're actively managing properties or planning for future estate distribution, we’ll help you make smart, forward-looking decisions.

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Got Questions? We Have Answers.

  • Do I need a retirement plan if I already have a 401(k) or IRA?

    Yes. A retirement plan goes beyond having investment accounts. We help you build a full-picture strategy that considers your income needs, taxes, risk exposure, healthcare costs, and how your assets will support you over time. The goal isn’t just to save—it’s to know how and when to use what you’ve saved.

  • Can you help me figure out when I can retire?

    Absolutely. One of the first things we do is walk through your goals and resources to answer the question: Can I afford to retire? Using conservative assumptions, we help you determine whether your current assets will support the retirement lifestyle you want—and what changes may be needed to stay on track.

  • How do you work with clients who own investment property?

    Many of our clients are transitioning away from active property management. We provide strategies for turning real estate into a more passive, income-generating asset through tools like 1031 exchanges and Delaware Statutory Trusts (DSTs). These options can reduce hands-on responsibilities while preserving income and tax advantages.

  • How often do you update financial plans?

    We believe in “living plans,” not documents that sit in a drawer. We revisit your plan regularly—at least annually or whenever there’s a major life or financial change. Ongoing updates help keep your strategy relevant and effective.

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  • When do I file for social security?

    There’s no one-size-fits-all answer here—it truly depends on your goals, income needs, health, and broader financial picture.


    Objectively, you can begin receiving benefits as early as age 62, but that comes with a reduced monthly amount. Waiting until your Full Retirement Age (FRA)—typically between 66 and 67—will get you 100% of your earned benefit. If you wait until age 70, you can receive up to 32% more through delayed retirement credits.


    Subjectively, the right time to file comes down to what matters most to you:


    • Do you need income now, or can your investments bridge the gap?
    • Is longevity a concern in your family, or are you focused on maximizing lifetime benefits?
    • Are you coordinating with a spouse’s benefit or trying to reduce taxes in early retirement years?

    At Grigg Financial, we help you run the numbers in the context of your full retirement plan, not just Social Security in a vacuum. The decision should support the rest of your income strategy—and we’re here to help you make it with clarity.

  • Should I move my employer based 401k plan when I retire?

    That depends on your overall retirement plan, the investment options in your current 401(k), and how you want to access your funds going forward.


    Objectively, you generally have four options when retiring:


    • Leave the 401(k) where it is
    • Roll it over into an IRA
    • Cash it out (usually not advised due to taxes)
    • Transfer it to a new employer’s plan (if still working)

    Subjectively, a rollover often provides more flexibility and control over investment options, withdrawal strategies, and fees. That said, some employer plans offer excellent investment choices and low costs, so the decision isn't automatic.


    We’ll help you weigh:


    • What kind of access and control do you want in retirement?
    • Are there tax planning opportunities or risks based on timing?
    • How will this fit into your income and withdrawal strategy?