What We Do
Retirement Income Planning, Wealth Preservation, and Long-Term Care Strategies for Families in Northern Nevada.
At Reding Financial Group, we help individuals, families, and business owners build coordinated financial strategies designed to create reliable retirement income, protect accumulated wealth, and prepare for life’s unexpected events—including rising healthcare and long-term care costs.
Because financial planning is not just about growing assets—it’s about making sure your income, your family, and your legacy are protected when life changes.
Retirement & Financial Planning
Retirement planning today is more complex than ever. Market volatility, inflation, rising healthcare costs, and longer life expectancy all require a more structured and flexible approach to income planning.
We help clients:
Create sustainable retirement income strategies.
Coordinate investment, tax, and distribution planning.
Align financial decisions with long-term lifestyle goals.
Plan for changing family and healthcare needs.
Our focus is helping you transition from accumulating wealth to creating dependable, tax-efficient income for life.
Investment Planning & Portfolio Strategies
Investment decisions should not be based on guesswork or chasing returns. We help clients understand how different investment types function within a broader retirement income strategy.
We organize investment strategies into three core tiers:
Tier 3: Market Growth & Tactical Investments
Designed for long-term growth with active risk management strategies.
Includes:
Stocks and bonds
Mutual funds and ETFs
Separately managed accounts (SMAs)
Tactical and adaptive portfolio strategies
Institutional asset management solutions
These strategies are designed to participate in market growth while managing downside risk through disciplined allocation approaches.
Tier 2: Alternative Income & Diversification Strategies
Designed to provide income potential and diversification with lower correlation to traditional markets.
Includes:
REITs (Real Estate Investment Trusts)
BDCs (Business Development Companies)
Interval funds
Private credit and commercial lending strategies
Professionally managed alternative income solutions
These strategies are often used to enhance cash flow and diversify portfolio risk beyond traditional stocks and bonds.
Tier 1: Principal Protection & Risk Transfer Strategies
Designed to help protect assets, reduce market exposure, and create predictable income foundations.
Includes:
Fixed annuities
Multi-year guaranteed annuities (MYGAs)
Indexed annuities and RILAs
Life insurance strategies
Asset-based long-term care planning
Traditional long-term care insurance solutions
These strategies are often used to help protect retirement income, reduce sequence-of-returns risk, and address long-term care planning needs.
Long-Term Care & Family Care Planning
One of the most overlooked risks in retirement is the financial and emotional impact of a long-term care event.
We help families evaluate strategies to prepare for potential care needs while protecting retirement income and preserving family assets.
This includes:
Understanding long-term care costs in Nevada
Evaluating funding options for care events
Planning for in-home care, assisted living, and memory care
Coordinating care planning with retirement income strategies
Supporting families navigating care decisions for aging parents
Because in many families, long-term care planning becomes a multi-generational financial issue, often involving adult children who are helping make decisions during a crisis.
Wealth Preservation & Legacy Planning
We help clients align their financial strategy with long-term goals for wealth transfer and legacy planning.
This includes:
Protecting retirement assets from unnecessary erosion
Coordinating beneficiary and estate planning strategies
Supporting tax-efficient wealth transfer planning
Helping ensure financial continuity for heirs and family members
Our Planning Philosophy
We believe effective financial planning is not about choosing a single investment product—it is about building a coordinated strategy that connects:
Income
Investments
Taxes
Risk management
Long-term care considerations
Estate and legacy goals
Our role is to help simplify complexity and provide a clear, structured approach to financial decision-making.