This is income REIMAGINED! Retirement income planning focuses on creating reliable income to support your lifestyle after you stop working. Income may come from Social Security, pensions, retirement accounts, investments, dividends, rental income, and in some cases, annuities, which are insurance products designed to help provide guaranteed income when you no longer have a paycheck.
Retirement is not simply about how much you have saved. It is a thoughtful strategy designed to help provide confidence, flexibility, and peace of mind throughout the years ahead. You Deserve A Wealthier Retirement!
After spending decades working, saving, and preparing for the future, many people enter retirement wondering whether their income will truly last. Concerns about inflation, healthcare expenses, market volatility, taxes, and unexpected life changes could make retirement feel more uncertain than many Great Basin residents anticipated.
Jessica helps clients in Nevada and Americans nationwide create retirement income strategies designed to provide greater clarity and confidence as they transition from earning a paycheck to relying on their accumulated assets and income sources. Rather than focusing only on account balances, a fiduciary advisor like Ms. Fox, is committed to researching different financial resources and how they may work together to support both current needs and long-term goals.
For some, annuities (personal pension) may provide an additional layer of stability and reassurance by creating predictable income that can continue throughout retirement. For others, different strategies may be more appropriate. Jessica believes these decisions deserve thoughtful conversations, education, and personalized guidance rather than one-size-fits-all recommendations.
As an advisor with Iron Point Retirement Solutions, Jessica understands that retirement planning is deeply personal. Every individual and family in Las Vegas and beyond has different priorities, values, and goals for the future. Some clients just want confidence that essential expenses will be covered. Others want flexibility to travel, support loved ones, give generously, or simply enjoy retirement without constantly worrying about finances.
Jessica’s approach is centered on helping her clients feel informed, supported, and prepared for the road ahead. Her goal is not simply helping people retire, it is helping them build a more stable financial plan, a Retirement Reimagined!
Americans work hard for their income and most people have very little interest in giving more than necessary to Uncle Sam. Many may not fully consider how taxes could impact assets later in life. You could avoid overpaying taxes by working with a fiduciary financial advisor like Jessica Fox.
Jessica has received global recognition as a financial professional through the Million Dollar Round Table®. She works with business owners, high-net-worth families whose more complex financial situations may require advanced tax strategies and many diverse clients who utilize additional coordination to support long-term financial goals.
After spending decades working, saving, investing, and preparing for retirement, many people are surprised by how significantly taxes can quietly reduce the amount of money available to support long-term goals if there is no coordinated strategy in place. Jessica helps clients virtually to evaluate how different financial decisions may impact their tax situation. Depending on each client’s circumstances, strategies may include reviewing account withdrawal timing, Roth conversion opportunities, managing investment gains and losses, charitable giving, tax diversification, or restructuring certain assets to improve long-term tax efficiency.
Proactive planning years before retirement may create greater flexibility later in life. Tax laws and regulations continue evolving, which can make planning feel increasingly complex and overwhelming. Every family, business owner, retiree, and high-net-worth client has different goals, priorities, concerns, and opportunities that deserve thoughtful consideration.
As a Certified Financial Fiduciary, Jessica is committed her clients' best interests. Part of her role is helping simplify conversations by educating clients using clear, practical language so they can make informed decisions with confidence.The goal of tax-efficient planning is not simply to reduce taxes. It is about being intentional stewards of what you have built through a lifetime of hard work. Jessica’s approach is centered on helping clients feel prepared for the future. After working hard your whole life, why leave Uncle Sam an unnecessary “tip” if there are legitimate strategies available to help reduce the burden? You deserve a wealthier retirement.
Approximately 70% of adults age 65 and older will need some form of Long-Term Care. Having thoughtful conversations about the possible financial and personal challenges that can accompany a serious illness, injury, or extended recovery is important. Long Term Care insurance may help cover expenses that traditional health insurance or Medicare often do not fully address. These services may include home health aides, assisted living support, nursing care, meal preparation, transportation, and other day-to-day assistance. These experiences can place emotional and financial strain on both your savings and loved ones. Jessica’s personal experience with Long Term Care has made her an advocate for her clients and has led her to explore if this type of insurance could fit within their financial plan. Addressing these conversations before health concerns arise may help individuals and families maintain greater independence, dignity, flexibility and peace of mind for the future.
Many people spend years preparing for retirement without fully realizing how quickly healthcare-related expenses can impact savings later in life. While traditional health insurance may help cover medical treatments and hospital care, it often does not fully cover the ongoing assistance many people may need during a lengthy recovery, chronic illness, or aging-related health condition. Long Term Care planning is designed to help address those potential gaps before they become financial or emotional burdens for individuals and their families.
Depending on the situation, Long Term Care coverage may help pay for in-home care, assisted living services, nursing facilities, medication management, mobility assistance, or support with everyday activities such as cooking, transportation, bathing, and household responsibilities. Jessica approaches these conversations with compassion, education, and thoughtful guidance rather than pressure or fear-based planning. Because every family’s financial situation, health history, and retirement goals are different, Long Term Care insurance is not automatically the right fit for everyone. That is why many individuals and families appreciate working with an independent fiduciary advisor who can help explain options clearly and evaluate whether coverage aligns with their larger retirement and financial planning goals.
Jessica C. Fox has worked with clients throughout the Rocky Mountain region and throughout the nation to help determine whether Long Term Care insurance is financially realistic. She can also help clients understand newer solutions, including hybrid policies that combine Long Term Care benefits with life insurance or annuity features, as well as certain options designed for individuals who may have health concerns that complicate traditional underwriting. As a part of Iron Point Retirement Solutions team, Jessica believes the goal is not simply purchasing another insurance policy. It is creating a thoughtful strategy designed to help protect quality of life. Jessica expressed, “Sometimes the most important step is simply starting the conversation.”
Life insurance is one of the most important financial tools many families consider when planning for the future.While life insurance is commonly associated with protecting loved ones after a loss, life insurance can also play a broader role within retirement planning, estate planning, business planning, and long-term financial security.
The two most common forms of life insurance are term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period of time, such as during working years, while raising children, or until certain financial obligations are paid off. Permanent life insurance does not expire as long as premiums are maintained and may also include a cash value component that can potentially accumulate over time and provide additional financial flexibility later in life.
Different policies may offer different features, costs, living benefits, cash value structures, and coverage options depending on the insurance carrier and policy design. Because of these differences, understanding the details of a policy matters. Many individuals and families prefer working with an independent fiduciary advisor who can help compare options objectively across multiple insurance companies rather than being limited to the products of a single corporate or captive provider.
Life insurance planning may involve reviewing existing coverage, evaluating beneficiary needs, protecting income for loved ones, addressing estate considerations, supporting business continuity, or creating a legacy for future generations. Jessica Fox can help you understand how life insurance could fit within a larger financial strategy designed to help provide protection, flexibility, and long-term confidence for the future. Whether you live in Las Vegas or beyond, Jessica can provide guidance while you navigate this discussion.
Social Security can play an important role in retirement income planning, but according to the Social Security Administration, benefits replace only about 40% of pre-retirement income for the average worker. Choosing when to begin benefits may have a lasting impact on long-term retirement income. You may need to consider spousal benefits, survivor benefits, taxes, and other retirement income sources when making filing decisions. Reviewing these options with Jessica Fox as part of a larger financial strategy may help aspiring retirees make more informed decisions about the benefits they have earned.
After contributing to Social Security throughout your working years, reviewing the benefits you have earned with an independent fiduciary advisor can be an important part of retirement planning. While Social Security may provide a dependable income foundation, it often works best when coordinated with other retirement income sources rather than viewed as a stand-alone solution.
The age at which benefits begin can make a meaningful difference. Filing early may reduce monthly payments, while delaying benefits may increase income later, depending on each person’s circumstances. Married couples in Nevada may also need to consider spousal benefits, survivor benefits, age differences, life expectancy, and how one spouse’s filing decision could affect the other. For those who continue working in retirement, earned income and benefit taxation may also influence the overall strategy.
Social Security rules can feel complicated once real-life factors are added. Retirement accounts, pensions, investment withdrawals, healthcare costs, tax considerations, and family priorities can all shape the decision. Rather than relying on general assumptions, you may benefit from reviewing how Social Security fits into a custom retirement income plan.
A discussion about optimizing your benefits may include reviewing possible filing ages, estimating future income needs, tax exposure, and identifying ways to supplement government benefits with additional income sources. Jessica Fox utilizes her years of experience and passion for financial confidence to build personalized and intentional plans to guide her Great Basin clients and families throughout Nevada and the nation, into their golden years. Working with Jessica, means building a Retirement Reimagined.
I started working with Jessica in 2023. I was tasked by my employer to explore non-qualified retirement plan options. Meeting Jessica was serendipitous, as she provided not simply a buffet of alternatives to explore, but was fully knowledgeable about how to apply strategies and familiar with best practices. The benefits of her expertise became apparent quickly. Jump forward three years, and I continue working with her as I further align my goals. I have become a student of her approach in the field. She is a masterclass on the details and helps guide the right choice.
Best, Eric P.
Planning for retirement can be very stressful and I will be the first to admit challenging. Mt husband and I recently worked with Jessica who was not only professional but very thorough in her discussions. She took the time to ensure that I completely understood the basics. We scheduled several conference calls and in each, we discussed our goals and objectives. She started the call by communicating the goal and ensured that during the call I was clear on what had been discussed. At the end of the call she always ensured that my goals and objectives were met. Her thorough communication ensured that I was comfortable with the next steps.
Best, Wanda M.
