Shope + Associates, LLC

Shope + Associates provides retirement planning services to individuals who are within three to five years of retiring and to individuals who are currently enjoying retirement. You go from an accumulation stage of hoping you have enough money to retire to a spending stage of hoping you don’t run out of money. No matter what stage you’re in, we’ll develop a financial plan that’s straightforward and

easy for you to understand. Our approach consists of segmenting your assets into categories based on different time horizons. For example, money that you need for living expenses should normally be invested differently than money you don’t need for the next ten years. We use this methodology, as it mitigates the sequence of returns risk for our clients. We also use financial planning software that will calculate a probability of retirement success based on your current income, investments and planned expenses. We believe this provides our younger clients with additional peace of mind when they’re trying to determine if they’re able to retire. For our clients who are retired, we use it to track their progress and to make recommendations if their income or expenses change.