Retirement Planning

For Lan Shaw, CFP ® and the Vision Financial Planning team, retirement planning is usually at the heart of our work with clients like you. With nearly a decade of experience and many clients who have moved from the full-time working phase of their life to the retirement phase, we can help clients live their retirement with the resources they need. A key segment of our practice includes UC Berkeley and Berkeley Lab professionals and faculty who want to maximize their retirement investments. Another segment of our clients includes small business owners and professionals who need strategies that leverage their business income and cash flow for retirement planning. We love helping clients with these challenges as they work to make their retirement goals a reality.


There are several ways to save for retirement:

  • Qualified employer-sponsored plans
  • Individual retirement accounts (IRAs)
  • Personal savings
  • Executive deferral plans

Qualified plans are employer-sponsored retirement plans such as 401(k)s and pension plans. Although there are contribution limits and strict distribution rules, these plans are popular because of their tax benefits. Generally, employers will make participation even more attractive by matching all or a portion of an employee’s contribution. It’s important that you choose the optimum plan to benefit the key people in your company.

IRAs are inexpensive, easy to establish and maintain, and also offer favorable tax incentives. They can be created by an individual or provided by an employer. Most people use IRAs to consolidate retirement savings that were previously held in employer-sponsored plans. Our process can help coordinate your IRA investments with your other savings plans.

You may find that qualified plans, IRAs, and social security won’t provide enough money to support your desired retirement lifestyle. By identifying your retirement gap, you can develop a strategy for personal savings invested outside of the traditional retirement vehicle. 

Business owners or executives may have access to other tax-advantaged retirement savings vehicles. Nonqualified executive compensation is a generic term used to describe a compensation arrangement that provides retirement income—and, in some cases, death benefits—to key employees of a business. 

At the heart of any retirement plan is the distribution of accumulated assets. The correct distribution method will help to ensure that your retirement savings last beyond your lifetime with minimum shrinkage from taxes. From premature distribution options that allow access to retirement assets prior to age 59½, to products intended to provide stable monthly payments for retirement, distribution planning is paramount to a successful retirement plan.

Vision Financial Planning is not affiliated with or endorsed by UC Berkeley