Melia Advisory Group has expanded its retirement planning services to support professionals in their 40s, with a focus on income-based strategies designed to address common gaps in retirement readiness.
-- With Northwestern Mutual's latest retirement readiness study highlighting that 46% of Americans don't expect to be financially prepared for retirement, Melia Advisory Group is broadening access to its fiduciary advisory service for mid-career professionals seeking expert guidance as they approach retirement planning decisions.
More details can be found at https://meliagroup.com/retirement-financial-planning/
Industry research identifies the 40s as a turning point in financial planning, where individuals often shift from general saving to more deliberate retirement preparation. While many begin formal planning during this period, a significant portion delay taking action, increasing the likelihood of a mismatch between expectations and financial reality later on, explains one of Melia's team members.
In light of these insights, Melia Advisory Group works with clients to evaluate overall financial readiness by reviewing savings, investments, insurance, and projected expenses. From there, its advisors develop retirement plans that account for clients' income needs, lifestyle expectations, and potential future contingencies such as healthcare costs and inflation.
Melia’s approach reflects a shift away from growth-focused models toward income planning. Advisors help clients build income streams from interest and dividends, reducing reliance on asset sales during periods of market volatility and supporting more stable long-term outcomes.
“As individuals move closer to retirement, the focus often shifts from how much they can accumulate to how reliably they can generate income,” Melia Advisory Group President Greg Melia said. “Our role is to help clients understand that transition and build a plan that reflects how retirement actually works.”
To support this, the firm combines income planning with tax strategy, Social Security timing, and required minimum distributions (RMDs) into an integrated, coordinated framework, so clients can see how each financial element contributes to long-term stability and whether current decisions support future income needs.
Portfolios are actively managed with an emphasis on maintaining income continuity while adjusting exposure to changing market conditions, the firm’s spokesperson added. This includes balancing income generation with measured growth over time, without requiring clients to step away from equity markets entirely.
About Melia Advisory Group
Serving Tulsa and the surrounding region, Melia Advisory Group provides IRA management, estate planning, and Social Security analysis alongside its retirement planning service, with an emphasis on aligning financial decisions with long-term income needs.
Those interested can find additional information by visiting https://meliagroup.com/retirement-financial-planning/
Contact Info:
Name: Contact Melia
Email: Send Email
Organization: Melia Advisory Group
Address: 5424 S Memorial Dr Building E, Tulsa, Oklahoma 74145, United States
Website: https://www.meliagroup.com/
Source: PressCable
Release ID: 89189479
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