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Michael Windle

RICP®
Retirement, Investing, Taxes
80%
Helpful
13
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0
Articles
7
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“Michael Windle, Financial Advisor at C. Curtis Financial Group, is dedicated to helping his clients realize their retirement dreams!”
Firm:

C. Curtis Financial Group

Job Title:

Financial Advisor

Biography:

Michael Windle is a Partner/Financial Advisor with C. Curtis Financial Group in Plymouth MI. He and his team specialize in retirement planning based on securing their client's income in retirement and getting the needed amount of growth while taking the smallest amount of risk. Every recommendation is made based on the client’s goals and objectives. Michael and the team offer client strategies to minimize tax on Social Security, as well as income. Additionally, C. Curtis Financial Group has developed educational programs for corporations and charitable institutions helping them to better serve their clients and members. Michael has achieved the designation of Retirement Income Certified Professional (RICP) which has given him more insight on how to best help his clients with their retirement and ensure that they are structuring their income to have the most benefit.

Michael started his career as a banker and branch manager with Huntington Bank and transitioned into the advisor role when he realized how much he enjoyed working with clients and being able to problem solve for their goals. Being the youngest advisor at the firm, Michael is able to gain knowledge from the over 30 years of experience Curt Whipple (owner and founder) has in the industry, when combining that with his ability to see and understand both today's retirement needs and his generations' viewpoints of what they want while saving for retirement, he can help make that dream a reality! Michael holds multiple securities and insurance licenses and is responsible for providing the best solutions for client based on their unique needs.

Assets Under Management:

$75 million

Fee Structure:

Fee-Based, Commissioned

CRD Number:

5955972

Insurance License:

#16937490

Disclaimer:

Securities offered through Kalos Capital, Inc. and Investment Advisory Services offered through Kalos Management, Inc., both at 3780 Mansell Rd. Suite 150, Alpharetta, GA 30022, (678) 356-1100.  C. Curtis Financial Group is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.

All Answers
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Most Helpful
    Retirement, Choosing an Advisor
What are the top five areas that I should ask my advisor to focus on now that I'm changing from the accumulation phase to the draw down phase?
100% of people found this answer helpful

Great question. I wish more retirees took the time to ponder this. As you mentioned with changing from the accumulation phase to the draw down phase, your mindset and focus needs to change as well. The number one goal here is income. Not just any income, but NET income. Drawing from your accounts (Traditional IRA, Roth IRA, Non-Qualified Funds, Social Security, Pension, 401k) in the right order and in the right amounts is key. Structuring your income to give you the narrowest gap between gross income and net income is what will make sure that those funds you have accumulated will last the longest. Making decisions on when to pull income from each of these accounts along with when to turn on Social Security, and always keeping in mind the 70-1/2 age as well as what your Required Minimum Distribution will be is paramount. Ensuring that you are not only being tax efficient now, but will also allow yourself the ability to be tax efficient once your RMD starts will make your portfolio last longer and provide you will a more enjoyable retirement! After all the goal of retirement is to still get a check, but not work for it. Next is to re-look at your risk in the portfolio and make sure it still lines up with your goals. Taking too much risk could cause you to lose what you have accumulated, not enough risk can lead to returns that aren't going to sustain your portfolio. First look into what you need to get your income goals taken care of, then you will know how much extra funds you have to invest and meet your discretionary goals.

In summary

1.) Net Income

2.) Social Security Planning

3.) Layering of income (which accounts to pull from when)

4.) Risk 

5.) Other goals

Congrats on Retirement and Good Luck,

February 2019
    Bonds / Fixed Income
What does it mean when a bond is selling at a premium? Is it a good investment?
63% of people found this answer helpful
September 2016
    Career / Compensation, Taxes
What percentage of my salary should I invest in order to pay less taxes?
41% of people found this answer helpful
October 2016
    Financial Planning, Investing, Annuities
How do I conservatively invest a large sum of money?
33% of people found this answer helpful
September 2016
    Banking, Investing
Where should I invest a large sum of money?
33% of people found this answer helpful
September 2016