Reach Retirement with a Greater Level of Financial Confidence

As you zero in on retirement, your priorities will begin to shift from saving for retirement to generating reliable income for as long as you live. Ray Latiano and Northwestern Mutual can help you design a plan to convert your assets into a predictable, steady retirement income, so you'll reach retirement with a greater level of financial confidence.

Ray Latiano will help you fine-tune your approach to planning as you near retirement, by taking steps to:

  • Mitigate the six key risks you cannot control. As you prepare for retirement, you'll want to address the key risks that can interfere with your ability to reach your financial goals and live the life you envision.
  • Create a lifelong paycheck by taking a series of steps to convert your assets into a steady stream of retirement income.
  • Decide when and how to take Social Security. The choices you make will have a significant impact on the amount of your benefit and, potentially, on your ability to reach your financial goals in retirement. 


Building Wealth

To build wealth, you need sound decision making and a plan to achieve your goals

There are many different strategies for building, managing and protecting wealth. The approach that's right for you will depend on your unique circumstances and goals.

At Northwestern Mutual, our financial planning process and investment advisory services are designed to help you zero in on what's most important to you, prioritize your goals and develop strategies to bring your vision for the future to life. Ray Latiano will help you:

Accumulate wealth, so you can:

Protect your wealth, by:

Preserve and distribute your wealth through:

  • The efficient distribution of your estate.
  • A plan to minimize taxes on your estate.

Accumulating, protecting and distributing wealth can bring a sense of freedom and accomplishment. But financial success doesn't happen by chance. To create a lifetime of financial security, you need sound decision-making, a plan to achieve your goals and a commitment to revisit your plan throughout life as your circumstances and priorities change.

The Northwestern Mutual Difference

Rather than simply looking at income needs, Ray Latiano will take an offensive and defensive approach to retirement planning; one that focuses on optimizing income and managing risk. 

The Northwestern Mutual Difference

We make plans for people, not just money. So no matter your goals, we have access to top rated products and services to help you meet each one.

  • Best Life Insurance Company ranked by NerdWallet, 2019 to 20201
  • AAA, Aaa, and AA+ the highest financial strength ratings of any life insurer from all four major rating agencies2
  • Top 10 U.S. Independent Investment Broker-Dealers3
1©2017-2020 and TM, NerdWallet, Inc. All Rights Reserved.

2Northwestern Mutual continues to have the highest financial strength ratings awarded to any U.S. life insurer by all four of the major rating agencies: A.M. Best Company, A++ (highest), April 2020; Fitch Ratings, AAA (highest), August 2020; Moody’s Investors Service, Aaa (highest), December 2020; S&P Global Ratings, AA+ (second highest), June 2020. Third-party ratings are subject to change. Ratings are for The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company.

3Measured by 2020 total revenues. Ranking for Northwestern Mutual Investment Services, LLC. Sources: Financial Advisor magazine and Investment News, April 2021.

Our Better Money Habits From COVID Are Slipping: Here’s What to Do About It

We help clients with these topics every day. Read more here.

How to Teach Children to Build Healthy Money and Credit Habits

Starting these types of money lessons early can help them establish a solid financial foundation. Read more here.

What Do Mortgage Lenders Look for in a Borrower?

If buying a home is on your list of goals, it helps to know what makes you attractive to a lender. Here are a few key factors.


To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck

Visit our Client Relationship Summaries (Form CRS) which provide brief information about our firms that provide brokerage services and advisory services.