Retire with confidence.

Ramer Retirement Resources is your partner in creating a retirement plan that stands the test of time. Benefit from our deep local roots and expert guidance to achieve the retirement lifestyle you've always envisioned.

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Here's what we do best.


Financial
Planning

Our financial planning service offers a detailed roadmap to financial security, combining investment advice, budgeting, and risk management to meet your unique objectives.

Holistic Retirement Planning

We provide a comprehensive retirement planning service that integrates all aspects of your financial life, ensuring a balanced and personalized approach to achieving your long-term goals.

Tax
Planning

Our tax planning service is designed to optimize your financial strategy, reducing tax liabilities and maximizing savings through careful and informed planning.

The Ramer Approach

Crafting your unique path to retirement.


With over three decades of dedicated service, the Ramer Retirement Team remains steadfast in its commitment to two fundamental goals: guiding our clients towards a well-prepared financial future and instilling peace of mind through meticulously crafted retirement plans. At Ramer Retirement Resources, we embrace a holistic approach, recognizing the distinctiveness of each individual's financial landscape. We see retirement planning as a journey unique to each person, filled with challenges and opportunities. Driven by a deep passion for addressing these challenges head-on, Carroll, Logan, and Nick excel in devising comprehensive, 360-degree plans that place you, our valued client, at the forefront of a secure and confident retirement.

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Ryan J. Bourlier, CPA

Get to know our team.


At Ramer Retirement Resources, located in the heart of Rochester, Minnesota, our mission is to craft comprehensive financial plans that lay a solid foundation for you and your family's future, offering peace of mind amid life's uncertainties. Our dedicated team is committed to serving the families of Southeastern Minnesota and Western Wisconsin, building lasting relationships and guiding each client towards a secure and fulfilling retirement.


With a deep-rooted passion for education and community service, whether through teaching retirement courses at Rochester Community College or personal consultations in our office, we are devoted to empowering our neighbors with the knowledge and tools for successful retirement planning.

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Keep up with the latest insights.


Welcome to the Ramer Retirement Resources Blog, where we share insightful articles, expert advice, and the latest trends in retirement planning to empower you on your journey to a secure and fulfilling retirement.

By Nick Smith June 19, 2024
Understanding the Future of Taxes With the current economic landscape, the likelihood of rising taxes is a pressing concern for many Americans. As the government seeks to fund various programs and manage national debt, tax rates are expected to increase. For those nearing retirement, this poses a significant challenge: how will these tax changes affect your retirement and lifestyle? The Implications for 401(k) and IRA Holders Most Americans have saved a substantial portion of their retirement funds in tax-deferred vehicles like 401(k)s and IRAs. While these accounts offer immediate tax advantages, they also mean that withdrawals during retirement will be taxed as ordinary income. If tax rates increase, the amount of money you can withdraw from these accounts without a hefty tax burden will decrease, effectively reducing your retirement income. The Zero Percent Tax Bracket Solution At Ramer Retirement Resources, our mission aligns with the Power of Zero group's objective: to put one million Americans on the road to the 0% tax bracket in the next ten years. The strategy here is straightforward yet powerful: if you’re in the 0% tax bracket, your tax liability remains zero regardless of rate increases. By leveraging Roth IRAs and other tax-efficient investment strategies, you can shield your retirement savings from future tax hikes. Impact on Retirement and Lifestyle Reduced Disposable Income Higher tax rates mean less disposable income during retirement. If you haven't planned for this possibility, you might find yourself with less money to cover essential expenses such as healthcare, housing, and daily living costs. This reduction could force you to alter your retirement plans significantly, potentially delaying retirement or necessitating a lower standard of living than anticipated. Increased Importance of Tax Planning Given the unpredictability of future tax rates, proactive tax planning becomes crucial. Converting traditional IRA or 401(k) funds to Roth IRAs can be a strategic move. Although you’ll pay taxes on the conversion now, you’ll benefit from tax-free withdrawals later, mitigating the risk of future tax rate increases. Strategies to Mitigate Tax Impact Roth Conversions A Roth IRA conversion involves moving funds from a traditional IRA or 401(k) into a Roth IRA, where future withdrawals are tax-free. This strategy is particularly beneficial if you believe that tax rates will be higher when you retire than they are today. By paying taxes now at potentially lower rates, you can protect your retirement income from future increases. Tax Diversification Just as you diversify your investments to manage risk, diversifying your tax strategy can provide flexibility and control over your retirement income. Combining taxable, tax-deferred, and tax-free accounts allows you to manage your tax liability more effectively, depending on future tax rates and your financial needs. Get Personalized Advice Navigating the complexities of tax planning for retirement can be challenging, but you don’t have to do it alone. At Ramer Retirement Resources, we offer one-on-one strategy sessions with Power of Zero advisors to help you build a robust, tax-efficient retirement plan. Sign up for a session today, and together, we’ll develop a strategy to maximize your savings and minimize your tax obligations. By understanding the potential impact of rising taxes and taking proactive steps to mitigate their effect, you can secure a more predictable and stable retirement. Now is the time to act and protect your hard-earned savings from future tax uncertainties.
February 12, 2024
Ramer Retirement Resources addresses the significant impact of taxes in retirement planning. This blog post is aimed at prospects and clients, particularly those aged 50-72, offering valuable insights into how taxes can affect retirement and strategies to mitigate their impact. The Role of Taxes in Retirement Taxes can greatly influence your retirement planning, affecting everything from your income to the longevity of your savings. Understanding these implications is vital for creating an effective retirement strategy. Tax Considerations in Retirement Retirement Account Withdrawals: Different accounts have different tax implications upon withdrawal. Social Security Benefits: Understanding how your benefits are taxed based on your income level. Investment Income: The impact of taxes on investment income, including capital gains and dividends. State Taxes: How state tax laws can affect your retirement income. Tax Planning Strategies: Utilizing tax-efficient withdrawal strategies and considering Roth conversions. Tailored Strategies for Midwestern Demographics Ramer Retirement Resources specializes in serving a diverse community, including blue-collar workers, as well as employees from major corporations like the Mayo Clinic and IBM. Tailoring strategies to meet the unique needs of this demographic is a key focus. Expertise in Retirement Tax Planning With a deep understanding of the complexities of retirement taxes, Ramer Retirement Resources offers expert advice and personalized planning services, ensuring clients make the most out of their retirement savings. Taxes play a crucial role in retirement planning. Understanding and strategically planning for tax implications can significantly enhance your retirement readiness. Ramer Retirement Resources is dedicated to providing the expertise and personalized advice needed to navigate the complexities of taxes in retirement planning.

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  • How to position your retirement dollars so you can access them tax-free during your Golden Years
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  • What Impact Taxes will ACTUALLY Have on Your IRA/401(k)
  • The History of Taxation in the United States, and the Probability of What can Happen in the Future
  • How to Minimize or Even Eliminate Stock Market Risk, while Still earning up to Double Digit Returns on Your Retirement Dollars
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