CFG Retirement

CFG Retirement What does your retirement look like? Do you have a clear picture of where your retirement income will come from? Our structured approach is somewhat unique.

We help you as a pre-retiree or retiree take your goals, needs and desires and explore the five core areas of retirement (income, investments, taxes, legacy, the unexpected) and create a written retirement plan to help you a achieve your objectives. In order to know that you can realistically expect to retire comfortably, you need to have a steady stream of income and a comprehensive process for m

anaging your financial affairs. At Assured Retirement Group, spearheaded by Vince Oldre, CFP©, we specialize in planning for those in, or near retirement. We are here to help you devise a plan that matches your current financial needs with your future goals. Assured Retirement Group is an independent advisory firm located in the Twin Cities area of Minneapolis / St. Paul, offering prudent advice and exceptional service one client at a time. We focus primarily on your Social Security benefits and pension plan as the primary means to create an income stream in which you can have confidence. You’ve worked hard to earn your Social Security and Pension. We’ll determine the best time and the right way to take your Social Security and pension benefits, and we’ll design a plan to draw from your other assets in the most tax efficient way. At Assured Retirement Group it’s our job to make sure that your Social Security, pension, and all your assets are in sync and working their hardest for you. To find out more about the kind of prudent advice we offer, sign up for our monthly e-newsletter. We would also be glad to sit down with you for a no-cost consultation.

Retirement income planning: Build stability, not stress.Start here:1. Define your retirement income goal. It guides ever...
09/12/2025

Retirement income planning: Build stability, not stress.

Start here:
1. Define your retirement income goal. It guides every investment move.
2. Balance: Growth-focused vs. steady, income-generating assets - find what fits your needs.
3. Try a bucket strategy. Potential way to Divide investments:
• Short-term: Cash for immediate needs
• Intermediate: Bonds for the next few years
• Long-term: Stocks for future growth
4. Diversify. Spread your assets across classes to cushion against market swings and protect your income stream.
5. Review and adjust regularly. Markets and life change - your plan should too.

Pro tip: Consult a trusted financial advisor for custom strategies and reassurance.

Secure your future - one smart move at a time.

RETIREMENT MYTH VS. TRUTH:"You need to take big risks to grow your money."Not true. Real wealth in retirement is about s...
09/10/2025

RETIREMENT MYTH VS. TRUTH:

"You need to take big risks to grow your money."

Not true. Real wealth in retirement is about stability, not speculation.

THE BETTER WAY:
• Spendable income from dividends & interest – not guesses.
• Smart tax strategies that put you in control, not keep you in the dark.
• Guidance that educates - so you feel confident every step.

Because peace of mind isn't optional. It's essential.

Clarity. Confidence. Control. This is retirement, simplified.

RETIREMENT APPROACHING?Here's what matters most:1. Measure your investment risk.2. Keep your portfolio balanced.3. Prior...
09/08/2025

RETIREMENT APPROACHING?

Here's what matters most:

1. Measure your investment risk.
2. Keep your portfolio balanced.
3. Prioritize capital preservation.
4. Shift from growth to steady income.

Why?

• A diversified portfolio protects you when markets dip.
• Regular reviews keep your investments on track with your goals.
• Spreading risk = more peace of mind.

Check in on your strategy - don't let volatility catch you off guard.

Confident retirement starts with smart decisions today.
Secure your future. Stay proactive.

Investing & emotions: a rollercoaster ride.Fear during market dips? Easy to panic. Overconfidence in bull runs? Risky mo...
09/06/2025

Investing & emotions: a rollercoaster ride.

Fear during market dips? Easy to panic. Overconfidence in bull runs? Risky moves follow.

These behaviors can derail your retirement planning.

What works?
- Set a plan: define your needs, risk tolerance, and timeframe.
- Review your portfolio - regularly.
- Use rules for buying & selling. Stick to them.
- Talk to a financial advisor for accountability.

Master your mindset. Build discipline. Let your goals - not your emotions - drive every investment choice.

RMD mistakes can cost retirees - a lot.The IRS charges a 25% penalty if you miss your Required Minimum Distributions (RM...
09/04/2025

RMD mistakes can cost retirees - a lot.

The IRS charges a 25% penalty if you miss your Required Minimum Distributions (RMDs). That's money straight out of your retirement savings.

Want to avoid the hit?

1. Know your deadlines. For most, RMDs start at age 73.
2. Calculate your RMDs annually based on account balances.
3. Set calendar reminders, or schedule distributions early in the year. Don't wait until December.
4. Struggling with multiple accounts? Consider consolidating to simplify tracking.
5. Unsure about the rules? A financial advisor can help keep you compliant and maximize your income.

Stay ahead - and protect your hard-earned savings.

RETIREMENT: THE HIDDEN EXPENSESPicture this: More freedom, more fun, more life. Sounds perfect.But… are you ready for th...
09/02/2025

RETIREMENT: THE HIDDEN EXPENSES

Picture this: More freedom, more fun, more life. Sounds perfect.
But… are you ready for the costs you didn't see coming?

Watch out for these 4 surprises:

1. Healthcare. Premiums, out-of-pocket, long-term care. Costs can snowball quickly.
2. Home upgrades. Now's the time, but renovations often cost more than planned.
3. Travel. Dream trips, spontaneous getaways - the price tag adds up.
4. Taxes. Withdrawals from retirement accounts? Expect a slice to go to Uncle Sam.

Don't let these sneak up on you. Plan smart, budget wide, and keep your retirement stress-free.

Protect your future. Enjoy every moment.

🌞 𝗘𝗻𝗱 𝗼𝗳 𝗦𝘂𝗺𝗺𝗲𝗿 𝗙𝘂𝗻 𝗶𝗻 𝘁𝗵𝗲 𝗧𝘄𝗶𝗻 𝗖𝗶𝘁𝗶𝗲𝘀!💸 Budget-friendly • Memory-makers • Retiree-friendly 💛Looking for joyful, family-...
08/04/2025

🌞 𝗘𝗻𝗱 𝗼𝗳 𝗦𝘂𝗺𝗺𝗲𝗿 𝗙𝘂𝗻 𝗶𝗻 𝘁𝗵𝗲 𝗧𝘄𝗶𝗻 𝗖𝗶𝘁𝗶𝗲𝘀!
💸 Budget-friendly • Memory-makers • Retiree-friendly 💛

Looking for joyful, family-friendly, & low-cost ways to enjoy August? The end of summer always comes too fast but there is still time to make the most of what's left!
Here is a guide created with our clients in mind (or anyone else who is looking for fun August Adventures):

🌻𝗟𝗮𝘁𝗲-𝗦𝘂𝗺𝗺𝗲𝗿 𝗔𝗱𝘃𝗲𝗻𝘁𝘂𝗿𝗲 𝗚𝘂𝗶𝗱𝗲:
🌊 𝘚𝘦𝘢 𝘚𝘩𝘢𝘯𝘵𝘺 𝘚𝘪𝘯𝘨𝘴 at Minnehaha Park (4th Monday of the month!)
https://www.axios.com/local/twin-cities/2025/07/30/sea-shanty-singing-group-minnesota
🎥 𝘖𝘶𝘵𝘥𝘰𝘰𝘳 𝘔𝘰𝘷𝘪𝘦𝘴 𝘪𝘯 𝘵𝘩𝘦 𝘗𝘢𝘳𝘬 – BYO blanket
(Many cities have their own version of this! Check your city website for the information needed)
🎨 𝘋𝘰𝘸𝘯𝘵𝘰𝘸𝘯 𝘚𝘵𝘳𝘦𝘦𝘵 𝘈𝘳𝘵 𝘍𝘦𝘴𝘵𝘪𝘷𝘢𝘭, Aug 9–10 — chalk murals & street performance along Nicollet Mall
https://www.mplsstreetartfest.com/
🖼️ 𝘝𝘪𝘣𝘳𝘢𝘯𝘵 𝘚𝘵𝘰𝘳𝘦𝘧𝘳𝘰𝘯𝘵𝘴 𝘈𝘳𝘵 𝘞𝘢𝘭𝘬, Aug 11, 5–8 PM — free art, stories & history tour in downtown Minneapolis
https://mplsartsandculture.org/events-2025/vibrant-storefronts-art-walk-and-history-tour
🧩 𝘏𝘪‑𝘓𝘢𝘬𝘦 𝘔𝘰𝘴𝘢𝘪𝘤 𝘔𝘰𝘯𝘥𝘢𝘺s, Aug 11, 6–7 PM — join the community mural project!
https://mplsartsandculture.org/events-2025/hi-lake-mural-mosaic-mondays-exzhp
🍀𝘐𝘳𝘪𝘴𝘩 𝘍𝘢𝘪𝘳, Harriet Island Aug 8–10 — music, culture & Gaelic Storm
https://www.irishfair.com/
🏰 𝘙𝘦𝘯𝘢𝘪𝘴𝘴𝘢𝘯𝘤𝘦 𝘍𝘦𝘴𝘵𝘪𝘷𝘢𝘭, Shakopee weekends starting Aug 16 — costumes, crafts & medieval fun
https://renaissancefest.com/
🎡 𝘔𝘪𝘯𝘯𝘦𝘴𝘰𝘵𝘢 𝘚𝘵𝘢𝘵𝘦 𝘍𝘢𝘪𝘳, Aug 21–Sep 1 — explore free exhibits, music, art, plus grandstand concerts
https://www.mnstatefair.org/

🧡 𝗣𝗿𝗼 𝗧𝗶𝗽𝘀:

• Many events are free or under $20 (parking fees may apply)
• Bring a water bottle, folding chair, sunscreen, & hat
• Plan visits in the early evening or weekday to avoid crowds
• Most venues offer benches, shaded seating, & accessible paths

📍Tag a friend who needs this—or share to spread the late‑summer joy!

07/23/2025

Thinking about retirement?

You've probably heard about Roth conversions, but there's a lot of noise and misinformation out there.

Let's clear a few things up. It's a powerful strategy that isn't just for the younger crowd. In fact, it can be incredibly beneficial if you're in your 50s, 60s, or already retired.

And no, you don't have to face a giant tax bill all at once. It's all about making small, strategic moves that fit your financial picture.

Making smart choices now can lead to more peace of mind and financial freedom down the road.

𝗙𝗮𝗺𝗶𝗹𝘆 𝗗𝗮𝘆 𝘄𝗮𝘀 𝗮 𝗵𝗶𝘁 a𝗻𝗱 𝘄𝗲 𝗮𝗿𝗲 𝗯𝗲𝘆𝗼𝗻𝗱 𝗴𝗿𝗮𝘁𝗲𝗳𝘂𝗹!We can’t thank our clients and their loved ones enough for showing up an...
07/21/2025

𝗙𝗮𝗺𝗶𝗹𝘆 𝗗𝗮𝘆 𝘄𝗮𝘀 𝗮 𝗵𝗶𝘁 a𝗻𝗱 𝘄𝗲 𝗮𝗿𝗲 𝗯𝗲𝘆𝗼𝗻𝗱 𝗴𝗿𝗮𝘁𝗲𝗳𝘂𝗹!

We can’t thank our clients and their loved ones enough for showing up and making this a night to remember. From beginning to end, it was filled with laughter, connection, and great memories. The weather was on our side too as the rain kindly waited to start until we were at the last two innings of the game!

Whether it was the kids bouncing in the bounce house, the lines full of smiles at the ice cream truck, the full bellies courtesy of Rack Shack BBQ, or the cheers during the game and $5 foul ball fun, every moment felt special.

We’re so lucky to have the incredible clients we do, and it means the world to be able to celebrate you in the way you deserve.

If you weren’t able to make it this time, don’t worry because there’s always the next one, and we can’t wait to see you there!

07/21/2025

This is one retirement detail you can't afford to overlook.

Many retirees are surprised when their taxes go up unexpectedly.

Often, the cause is the Required Minimum Distributions (RMDs) from their 401(k) or IRA.

Because RMDs count as income, they can push you into a bracket where your Social Security benefits become more taxable.

It’s not just about saving for retirement; it's about planning how you'll use that money wisely. A little foresight goes a long way.

07/18/2025

Let's talk about two of the biggest decisions you'll make for retirement. It's easy to get tripped up by common myths.

Many believe Roth conversions are only for young people, but that's simply not true. It can be a smart move at any age to help with future tax planning.

Then there's Social Security.

Did you know the timing of when you claim can mean a difference of over $100,000 in your lifetime?

A little planning goes a long way.

🎉 𝗪𝗲’𝗿𝗲 𝗲𝘅𝗰𝗶𝘁𝗲𝗱 𝗳𝗼𝗿 𝗖𝗙𝗚 𝗙𝗮𝗺𝗶𝗹𝘆 𝗗𝗮𝘆! 🎉We can’t wait to celebrate our amazing clients and their loved ones with an evening...
07/16/2025

🎉 𝗪𝗲’𝗿𝗲 𝗲𝘅𝗰𝗶𝘁𝗲𝗱 𝗳𝗼𝗿 𝗖𝗙𝗚 𝗙𝗮𝗺𝗶𝗹𝘆 𝗗𝗮𝘆! 🎉

We can’t wait to celebrate our amazing clients and their loved ones with an evening of food, fun, and community. It’s our way of saying thank you for being a part of the CFG family.

Stay tuned—we’ll be sharing highlights from the event soon!

Address

4530 W. 77 Street
Bloomington, MN
55431

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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