Financial Planning
We specialize in helping families who are approaching retirement or already there. Your personalized financial plan will take a deep dive into your current and future projected finances. Our process addresses common concerns such as:
- When can I afford to retire?
- Am I spending too much? Can I spend more?
- When should I take my Social Security and pension?
- Will my spouse be okay if something happens to me?
- What will taxes look like in retirement?
- What will my estate look like?
Our ongoing reviews will help ensure you remain on the right path. And we will adapt your plan as circumstances change.
Investment Management
We design and manage an investment plan to help ensure you're not taking more risk than you need to achieve your goals. We regularly monitor and rebalance your portfolio to remain aligned with your objectives.
- Portfolios managed in-house Many firms outsource this responsibility (adding a layer of fees), but we have the experience in house to remain in control of the critical investment process.
- Independent We offer a complete selection of investment options. Unlike many firms, we are not limited to a specific pool of investments or encouraged to sell proprietary funds, annuities, or insurance products.
- Custom Portfolios Our custom portfolios are designed to balance downside protection with longer-term growth.
Retirement Income
Our goal is to make sure all your expenses are covered so that you can enjoy a comfortable retirement.
- We review all assets and retirement income sources and advise on Social Security, pension and RMD strategies.
- We develop and manage a tax-efficient distribution plan from your portfolio to provide you the income you need in the timeframe you need it.
- Annuities? If you are only interested in an annuity, we are probably not the right fit. There are some circumstances where annuities make sense. But we find annuities are often overprescribed and provide lower returns than anticipated. If you already have an annuity, we can review it and advise you on your best options.
Tax and Estate Planning
We integrate tax and estate considerations into your plan. We can partner with your tax and legal professionals or suggest one of our trusted providers.
- One of the biggest expenses in retirement is taxes. We can help manage your financial plan with the goal of reducing the overall amount of tax you pay over your lifetime (and beyond).
- Plan now so your family is taken care of, and your wishes are carried out once you’re gone. We’ll facilitate the necessary conversations to help ensure you leave the legacy you want.
Additional Services
In addition to these primary services, we can also help with the following:
- College Planning
- Life Insurance
- Long-Term Care
- Employer Stock Strategies/Concentrated Stock Positions
- Small Business Retirement Plans
- Medicare Planning
Tax and Estate Planning
We integrate tax and estate considerations into your plan. We can partner with your tax and legal professionals or suggest one of our trusted providers.
- One of the biggest expenses in retirement is taxes. We can help manage your financial plan with the goal of reducing the overall amount of tax you pay over your lifetime (and beyond).
- Plan now so your family is taken care of, and your wishes are carried out once you’re gone. We’ll facilitate the necessary conversations to help ensure you leave the legacy you want.