About Our Firm
Retirement Income Source® Huntsville represents the merging of two successful financial service practices, each with its own unique story. Collectively, this team of professionals now represents over a half-century of experience in helping hardworking Americans achieve their retirement goals with confidence and peace of mind.
We can help you do the same!
Although we provide a range of financial services to a wide range of clients, our specialty is working with investors in or nearing retirement age, with a focus on more conservative financial strategies designed to generate reliable, lifelong income.
Our common focus on income-generating strategies is what led our firms to merge under the auspices of Retirement Income Source®, a national franchise of advisors who specialize in contemporary fixed-income investing.
Partnered with Sound Income Strategies
In addition to being aligned with a national network of Income Specialists, as a Retirement Income Source® franchise office we are also partnered with Sound Income Strategies (SIS), an SEC Registered Investment Advisory firm that manages more than $3 billion in client assets. Their skilled investment managers have the knowledge and resources to deliver interest- and dividend-generating portfolios suited to your individual needs, goals, and risk tolerance.
Through Sound Income Strategies, we have the unique ability to offer our clients a range of investment options and a level of customized portfolio management that most advisors simply cannot — and one typically only available to institutional investors.
Retirement Income Source® Huntsville is now in the position to proudly serve retirees in northern Alabama for decades to come. Through financial education and proven financial strategies, we’re dedicated to helping as many individuals and families as possible minimize their exposure to risk while maximizing the income their investments generate.
Is Your Current Financial Strategy Right For Stage of Life?
The question above is a crucial one, especially if you’re over age 50 and within 10 to 15 years of retirement.
With one quick phone call or meeting, we can help determine if your current financial strategy is sufficient to provide you with the income you’ll need to enjoy the retirement you deserve. If it’s not, we can help you make the necessary adjustments.
Call us today at (256) 536-3075 to schedule a complimentary, no-obligation consultation and learn how to receive your complimentary, customized Retirement Risk Report.
Retirement Income Source®Huntsville
Your Best Interests Will Always Come First
Our mission is to help clients enjoy greater financial security through sound investment strategies and outstanding service they can count on. Although we work with a wide range of clients, we specialize in helping those who are retired, or close to retirement, make sure their financial plan can generate the income they’ll need in retirement.
Partnered with Sound Income Strategies
Our portfolio management arm, Sound Income Strategies, is a registered investment advisory firm boasting more than $2.9 billion of assets under management. Their skilled investment managers have the knowledge and resources to deliver interest- and dividend-generating portfolios. Through Sound Income Strategies, we can offer our clients a level of customized active management typically only available to institutional investors.
Retirement Planning
Possessing more than 80 years of combined experience through various market cycles, Lindsey, Nathan, and Brad are uniquely qualified to help you navigate the complexities of planning and saving for retirement.
Investment Management
We specialize in helping our clients achieve a safer passage into retirement through income-generating investment strategies, while helping to provide a wide range of wealth-management services.
401(k) & IRA Rollovers and Conversions
We can help you determine if rolling over a qualified retirement plan into an IRA makes sense for you.
Life Insurance and Long-Term Care
We can help ensure you have the right insurance policies in place to help protect you from the unexpected.
Tax Planning
We’ll explain how withdrawals, distributions, and tax-deferred accounts can impact your taxes in retirement, so you don’t pay any more in taxes than you’re legally obligated to.
Estate & Legacy Planning
We can help to ensure that you have a wellthought-out estate plan in place to help you preserve your estate and help you avoid leaving a financial headache behind for loved ones.
Social Security
Deciding the right time and method to claim your Social Security benefits could mean the difference of up to $100,000 in benefits over your lifetime. Unfortunately, many hardworking Americans don’t fully understand how their benefits work and end up missing out. Although Social Security will not be enough to live off in retirement, we can help you properly coordinate your benefits with your other retirement resources, so that Social Security can serve as the foundation upon which you build a more comfortable retirement.
Required Minimum Distributions (RMDs)
The idea behind RMDs is that the government wants to help you save for retirement. That’s why, the government allows you to contribute pre-tax money to your qualified retirement accounts, like 401(k)s, during your working years. However, the government also wants to make sure you use this money in retirement and don’t just pass it on to our heirs. Ultimately, the IRS wants to make sure you pay taxes on those funds.
As of 2023, you must start taking RMDs from your qualified retirement accounts once you reach age 73. The new provisions can be complex, with unforgiving consequences. If you miss taking your RMDs at the right time, or don’t take enough, you could get hit with a 25% penalty. That’s why we’ll work with you to help ensure you avoid costly mistakes with your RMDs.
Estate Planning
When it comes to estate planning, the basic package consists of having a will, a living trust, and some form of power of attorney in place for making financial and/or healthcare decisions. These estate-planning tools — and the peace of mind they bring — are beneficial for all involved.
A mentor once told me, “When you look back over the first 20 years of your career, make sure you are providing 20 years of financial planning experience, and not one year of financial planning experience, 20 times.” I was inspired by that advice. I am here to help you build what I call a sound financial house. I can only do that if I understand the ever-changing nuances of the financial industry myself.
-Brad Williams
Let’s Talk About Your Money
One Meeting, One Hour, No Obligation
Why is it important to successfully plan for a more stress-free retirement?
Income is not a new concept. It’s been around for centuries as a way for people to get paid for labor or capital. However, after decades spent working for our income, the last thing most of us want is to keep working during our golden years in order to enjoy a more comfortable retirement.
To have a more financially stress-free retirement, you’ll need income to help pay for all the fun activities you have planned. By making the switch to investing for income instead of growth, you could help preserve what you worked so hard to accumulate and use your savings as a renewable source of interest and dividend payments you can count on.
Making the switch to investing for income can be simple if you have the right guide. By planning ahead, we can help ensure you’ve done all you can to enjoy the retirement you’ve always envisioned.
As life expectancies increase, many people can expect to enjoy 30 years or longer in retirement. If you are lucky enough to enjoy that many years in retirement, you’ll need to find a way to make your savings last that long.
Although the amount of money you have saved will play a big part in how much income you can generate, what can be equally important is the investment approach you take. Making the switch to investing for income ahead of retirement means you can help make your savings last longer.
That’s why advisors knowledgeable about the right ways to invest for income will take the time to create a customized portfolio of individual, income-generating investments, such as high-dividend paying stocks, bonds, and other bond-like instruments.
The great thing about investing for income is that if you don’t need the income at the time, you can reinvest it and grow your money the old-fashioned way. That is exactly what Retirement Income Source® Huntsville specializes in: helping clients generate ongoing income, in the form of interest and dividends, while taking advantage of opportunities for organic growth.