Retirement means something different to everyone, travel, leisure, entrepreneurship, or more time with family. Regardless of your vision, planning early is key to achieving financial independence. As traditional pensions become less common, individuals must take greater responsibility for their retirement income.

Northland offers guidance on a wide range of tax-advantaged retirement savings vehicles, including:

• Individual Retirement Accounts (IRAs): Traditional, Roth, SEP, and SIMPLE
• Employer-Sponsored Plans: 401(k), SIMPLE IRAs
• Self-Employed Options: SEP IRAs, Keogh Plans

Our Financial Professionals help you evaluate contribution strategies, rollover options, and income distribution planning to ensure your retirement is secure and sustainable.

Estate planning is essential for protecting your assets and ensuring your wishes are honored. Whether your goal is to provide for loved ones, support charitable causes, or minimize taxes, Northland works in coordination with clients' legal and tax professionals on retirement and estate planning.

Key components of estate planning include:

• Tax and insurance needs analysis
• Beneficiary designation review
• Coordination of wills, trusts, living wills, and healthcare directives
• Wealth transfer strategies and legacy planning

We help you structure your estate to reduce legal fees, preserve wealth, and provide continuity for your heirs.

Life changes, and so should your financial plan. We recommend reviewing your retirement and estate plans in response to:

• Marriage, divorce, or family changes
• Significant shifts in net worth or financial goals
• Property purchases or business investments
• Changes in tax laws or estate regulations

Northland Securities offers flexible solutions to help you protect your assets and adapt your plan as your life evolves.