We’re Here to Help You Find the Answers
Navigating the many decisions that come with retirement can be a daunting task. As your trusted partner, we’ll work through all aspects of your financial life to help you create the framework you need to make the most of the choices you have.
Our Services Include
Retirement Income Planning
Our goal is to make sure your expenses can be paid for the rest of your life. We will help you develop a tax-efficient distribution plan to create a paycheck from your investments that supports both your current lifestyle and future needs.
We will create an investment plan for your savings and ensure you're not taking more risk than you need to. We believe in providing a disciplined, diversified strategy that minimizes expenses and focuses on what we can control. Our aim is not to beat the market or achieve a specific rate of return, but to put clients in the best position possible relative to their goals. If you’re looking for market timing or a hot stock tip, we’re probably not the right fit for you.
It’s never fun to think about, but it’s important to consider what happens when “what if” scenarios turn into “what now’s.” We work with clients to always look for uncovered risks and make sure your family is protected from any potential blind spots. At the same time, it’s also our job to make sure you’re not overprotected and paying for more insurance than you may need to be.
We specialize in helping families who are approaching retirement or navigating the transition into it. For those already there, we assist with making sure their money is supporting a fulfilling next chapter. We prefer the term “work optional” as for many clients, the goal is to have the ability to choose to leave their career and spend their time doing something they love.
Our process addresses common concerns such as:
- Can I afford to retire today?
- How long will my money last?
- When should I take my Social Security and pension?
- Will my spouse be okay if something happens to me?
- How do I position my investments to reach my goals?
As a diligent saver, your largest expense in retirement is likely to be your tax bill. We show families where to draw from and when with the goal of reducing the overall amount of tax you pay over the course of your lifetime. We work directly with your accountant to take advantage of tax planning opportunities as they arise in order to ensure you don't overpay the IRS.
What happens if you or your spouse become incapacitated? How do you ensure your family is taken care of and that your wishes are carried out once you’re gone? Estate planning is an essential topic that often gets put off for too long. We’ll help you facilitate the necessary conversations to help you prepare today to leave the legacy you want in the future.