Steven Gaito

About Steven Gaito

Study after study shows that fear of running out of money in retirement is the #1 stress people face in retirement. If I can show you how to create income that lasts a lifetime, pay fewer taxes, increase your retirement income, and reduce the risks that you face in retirement would it make sense for us to work together? This is what I do. I am a specialist who focuses on creating tax-efficient income, planning for Long-Term Care events, and passing assets along to heirs as tax-efficiently as possible. I don\'t manage your assets. I create income plans because retirement is about income not assets. I have also partnered with an actuary to help me analyze the taxes that you owe on your qualified retirement plans (401(k) and IRAs). Most people agree that taxes are likely to increase in the future and your retirement assets are the most likely target of these tax increases. I take a macro view on taxes to compare the long-term debt you owe and create a plan to pay the least you can over time. As a CERTIFIED FINANCIAL PLANNER TM practitioner, I always focus on the long-term picture and look for ways to improve your situation. I also realize that there is often a tradeoff between risk and reward, growth and security, and spending now vs. leaving an estate. The challenge is often there is not enough to go around so you must be very strategic in utilizing your resources. I encourage you to reach out and schedule a meeting to see if the services I offer are a good fit for your needs. I do not charge for an initial meeting but will take the time to understand your situation and give you an estimate of the cost to work together. To learn more, feel free to give me a call at (91••••••00,(82••••••99 or email at s••••@retirerm.com Specialties: Retirement Income Planning, Retirement Tax Analysis, Long-Term Care, Social Security Education, Public Speaking, Retirement Planning, Tas Efficient Estate Planning

Experience

1. Educator and Consultant

   Retirement Resource Group, Llc

   Jul 2016 — Present · NC, US

   Resources are precious in retirement and I help people optimize Social Security benefits and the taxes they will pay on qualified retirement plans (401(k), 403(b), 457 and IRAs). These can significantly increase the resources available for retirement and are often overlooked. I provide an analysis of each to educate clients on the options available.

Education

• College for Financial Planning

  CFP Certification Professional Education Program, Financial Planning

  2000 — 2004

• Appalachian State University

  BS, Outdoor Recreation Management

  1982 — 1986