Build a retirement plan you can trust with Bright Wealth Management

Retirement doesn’t happen overnight. It requires long-term, intentional planning.

And retirement planning can feel overwhelming. Market volatility, rising taxes, healthcare costs and inflation create uncertainty at a time when confidence matters most.

Bright Wealth Management helps people create a clear plan to get to and through retirement by focusing on education, clarity and long term financial confidence.

“We’re here to bring some clarity, bringing some self-empowerment, not only just to retirement planning but financial planning,” said Matt Dages, president and founder of Bright Wealth Management.

Why planning ahead for retirement matters

Many people believe taxes will be lower in retirement. According to Dages, that assumption often leads to costly surprises.

“Most retirees are going to be paying higher taxes in retirement from a percentage standpoint than they were when they were working if they’re not planning ahead,” he said.

Without proactive planning, required minimum distributions, Social Security taxation and Medicare premiums can significantly reduce retirement income.

“You don’t wake up one day at 65 and just become ready for retirement,” Dages said. “So we want to look at the big picture for everyone.”

Understand your future tax bill

To help people understand their lifetime tax exposure, Bright Wealth Management created a free online tool called the Bright Tax Calculator.

“It’s going to show you the difference between your plan as it stands today and the plan that you could be engaged in if you’re doing some forward tax planning,” Dages said.

The calculator also highlights how taxes may affect beneficiaries.

“You don’t want to pass on a tax bill and say, ‘Hey, here’s your estate gift. Thank you very much. Go pay Uncle Sam 32%,’” Dages added.

Income planning for real life

Social Security alone often does not keep pace with rising expenses, especially health care and housing.

Bright Wealth Management builds income plans designed to reflect real-life costs over time.

“We want to remove the guesswork out of retirement planning,” Dages said.

By mapping income and expenses year by year, clients gain clarity and confidence about how their money supports their lifestyle.

Risk management and personalized retirement planning

As retirement approaches, risk tolerance changes. Many workplace retirement accounts are left untouched for years, even as goals evolve.

“No one is going to pull the plug and save you if the market’s crashing,” Dages said. “The onus is on you as the account holder.”

Bright Wealth Management provides personalized risk assessments, stress testing and written plans designed to align investments with real-world goals.

“I want my clients to be playing offense,” Dages said. “I want my clients to be in control.”

Take the next step

Bright Wealth Management offers complimentary one-on-one consultations with Dages and a personalized retirement roadmap.

“The best time to start was yesterday,” Dages said. “Second best time would be right now.”

For more information or to set up your complimentary consultation and portfolio review, call 833-777-4296 or go to brightwm.com.

The Bright Wealth Management Show with Matt Dages airs Saturdays from 1 p.m. to 2 p.m. and Sundays from 3 p.m. to 4 p.m. on KTAR News 92.3 FM.

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