Experience, Integrity & Attentive Service

1441 W Long Lake Rd, Suite 175
Troy, MI 48098

Phone:

877-302-4015

E-mail:

info@agbaygroup.com

Contact Us

Please feel free to contact us with any questions.

Videos

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Calculators

You can review interesting calculators on my site.

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The Agbay Group
A Wealth Advisory Company

Our process begins with identifying and understanding the Two Stages of Money in Retirement Planning and carefully navigating you through both.

2 Stages of Money in Retirement Planning

Stage 1

Asset Accumulation

While Working

Making salary
Investing monthly
Desire maximum growth
Don't need current income
Assets meant to create future retirement income
Time is on your side

Stage 2

Income Distribution & Asset Preservation

Retired & Pre-Retired

No salary
No monthly investments
Desire maximum security
Want low volatility
Must minimize losses
Create maximum income guaranteed* for life
Assets to produce income now or in future
Time is no longer on your side

*Guarantee are subject to the claims paying ability and principal strength of the annuity issuer.

The strategies that get you through stage one, cannot and will not work in stage two. If you are using the same strategies in retirement as you did in accumulation stage, your planning can be ineffective.

Newsletters

Mega Backdoor Roth: A Tax-Friendly Retirement Strategy for Serious Savers

Shows how high-income earners can create tax-free retirement income via workplace plans.

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How Has SECURE 2.0 Affected 401(k) Plans?

Summarizes new 401(k) features introduced under the SECURE 2.0 Act.

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HOT TOPIC: What’s in the New Tax Legislation?

Provides an overview of key provisions in the new "One Big Beautiful Bill Act."

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Are You Prepared for the High Cost of Dying?

Describes financial burdens associated with end-of-life care and funerals.

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More Newsletters

Calculators

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

More Calculators

Experience, Integrity & Attentive Service

Contact Us

Videos

Calculators

The Agbay Group A Wealth Advisory Company

Our process begins with identifying and understanding the Two Stages of Money in Retirement Planning and carefully navigating you through both.

2 Stages of Money in Retirement Planning

Stage 1

Stage 2

The strategies that get you through stage one, cannot and will not work in stage two. If you are using the same strategies in retirement as you did in accumulation stage, your planning can be ineffective.

Newsletters

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Calculators

The Agbay Group
A Wealth Advisory Company