Secure Your Future With Our Retirement Planning Services

Leighton State Bank believes every retirement journey is unique. Our financial advisors take the time to listen to your goals, concerns, and dreams for retirement, and we tailor retirement strategies to match your specific needs. From your first steps toward retirement to managing your assets in retirement, we’re here for you at every stage.

We understand that a successful retirement starts with a solid plan, and we work closely with you to help you make informed decisions about your financial future. Whether you envision a well-funded retirement or aspire to retire early, Leighton Investment Services will work with you to develop a personalized plan that reflects your aspirations.

Retirement planning involves many key decisions—from choosing the right investments to determining your retirement income needs. Our Pella, Iowa-based retirement advisors will walk you through the process and help you navigate critical areas such as:
Investment strategies to grow and protect your assets

• Retirement income planning to ensure you have enough to cover your lifestyle
• Social Security planning to maximize your benefits
• Tax-efficient strategies to minimize tax burdens and keep more of your retirement savings
• Risk management to protect your wealth from unexpected events

We provide a retirement planning toolkit that empowers you to make informed decisions. Whether you’re already saving or just starting, we’re here to help you plan your dream retirement.

No matter where you are in your career, it’s always the right time to consider your retirement plans. Our financial advisors in Iowa specialize in creating customized retirement plans that address your situation. We’ll work with you to identify the best strategies for your goals, ensuring you’re prepared for a financially secure future.

Tax-efficient retirement planning isn’t a one-size-fits-all process. Our team will help you plan for your desired retirement lifestyle and work with you to set a target retirement goal.

The foundation of a strong retirement plan starts with understanding your options. We’ll help you identify the right retirement plans, tax reduction strategies, and investment products for your situation, including:

Employer-Sponsored Retirement Plans

• 401(k) and Roth 401(k): Traditional and tax-advantaged retirement plans offered by employers, often with matching contributions.
• 403(b): A retirement plan for employees of tax-exempt organizations such as schools and hospitals.

Individual Retirement Accounts (IRAs)

• Traditional IRA: Contribute pre-tax income and enjoy tax-deferred growth.
• Roth IRA: Contribute after-tax dollars and enjoy tax-free growth and withdrawals.

Other Investment Options

• Brokered CDs, stocks, and bonds
• Mutual funds and variable annuities
• Real estate investment trusts (REITs)
• Alternative investments

Our Iowa-based financial advisors will assess your retirement goals, risk tolerance, and current financial situation to recommend the best combination of retirement accounts and investment strategies for your needs.

When planning for retirement in Iowa, one of the most critical questions is how you will generate the income necessary to meet your needs. Our team will help you assess your current assets, expected Social Security benefits, and other income sources to develop a reliable income stream in retirement.

We’ll help you determine how much money you need to retire comfortably and ensure you are on track to meet your retirement goals. With the right plan, you can enjoy your retirement without financial stress.

To create the best retirement plan for you, it’s important to ask the right questions. When you meet with our retirement advisors, we’ll work through these crucial considerations:

• How long do I need to plan for my retirement?
• How do I generate income during retirement?
• What is the right asset allocation for my retirement portfolio?

Our Iowa financial advisors will work with you to find answers to these questions and ensure that your retirement plan is built for your long-term success. Our investment philosophy is built on consistency, transparency, and careful risk management to help you pursue your financial goals.

Determining how much money you need to retire is a personal decision based on your goals, lifestyle, and spending habits. At Leighton State Bank, we understand that retirement planning is not a one-size-fits-all approach. We’ll help you answer key questions such as:

• When do you want to retire?
• What are your retirement goals and dreams?
• How much income do you need to live comfortably?

We’ll help you answer these questions and determine your target retirement number, ensuring your plan fits your needs.

It’s never too early—or too late—to invest and save for retirement. Contact Leighton State Bank to schedule a consultation. Our Iowa retirement advisors will help you select the right products to match your retirement goals and risk profile. Reach out today to begin your journey toward a secure and comfortable retirement.