Forth Wealth Management

Couture Financial is a financial services company located in Sarasota, Florida that provides a variety of services to its clients, including investment advisory, financial planning, estate planning, and money management. The company is committed to providing its clients with personalized financial advice and guidance, and seeks to simplify complex financial terms and investment options, offer honest advice, and help clients navigate the complexities of investing and financial strategies. Couture Financial's goal is to humbly serve clients by nurturing long-term relationships built on trust and performance.

Retirement planning doesn’t have to be complicated. A few key principles can help you build a secure and comfortable future: 1. Start Early, But It’s Never Too Late – The earlier you save, the more time your money has to grow. But if you're getting a late start, focus on maximizing contributions and cutting unnecessary expenses. 2. Live Below Your Means – The less you spend today, the more you can save for tomorrow. Avoid lifestyle inflation and unnecessary debt. 3. Diversify Your Investments – Don’t put all your eggs in one basket. A mix of stocks, bonds, and safer assets can balance growth and stability. 4. Plan for Inflation – Prices will rise over time, so make sure your retirement income keeps pace with the cost of living. 5. Have a Withdrawal Strategy – A common rule of thumb is the 4% rule, but your needs may vary. Work with a planner to create a sustainable withdrawal plan. 6. Prepare for Healthcare Costs – Medical expenses can be significant in retirement. Consider long-term care insurance and health savings accounts (HSAs). 7. Eliminate Debt Before Retirement – Paying off high-interest debt before you retire gives you more financial freedom. 8. Don’t Ignore Taxes – Your withdrawals from different retirement accounts (401(k), Roth IRA, etc.) have different tax implications. Plan accordingly. 9. Have an Estate Plan – Ensure your assets go where you want them to, with wills, trusts, and proper beneficiary designations. 10. Keep It Simple

Welcome to Merrill Lynch in Bradenton, FL. Merrill Lynch is one of the premier providers of wealth management, securities trading and sales, corporate finance and investment banking services. Contact our office today to help address your financial and investment needs. Working with our clients, we help create and execute solutions, which address our clients' most pressing strategic, financial and investment needs.