Retirement Income Management
We help clients create an income stream for retirement that simulates a pension or a paycheck that will last for a lifetime. While having a nest egg is important, we believe having a steady income stream is even more important in retirement to allow you to have fun and do the things that are important to you.
Why Financial Planning Matters
I believe in bringing the two competing worlds of insurance and managed money together. I also believe there should be a proper balance of safety and risk. That balance is different for everyone based on their needs. It really has nothing to do with age and is more about what your needs and goals are for your money and what your risk tolerance is.
What is a Fiduciary?
According to the Consumer Financial Protection Bureau, the definition of a fiduciary is someone who manages money or property for someone else. When you are named a fiduciary and accept the role, you must – by law – manage the person’s money and property for their benefit, not yours.
Manage Capital Gains
Implement strategies to manage capital gains and losses, optimizing your investment returns.
Maximize Tax Benefits
Take advantage of tax-efficient investment vehicles and accounts to enhance your financial growth.
Risk Assessment
If you are drawing heavily on your funds for income, your safety/risk balance is going to look drastically different from someone who does not need income at all and just wants to leave a legacy behind.
Our Services
Comprehensive Financial Planning
Our unique approach to financial planning takes your entire financial big picture into consideration. We think of each client’s situation as a puzzle. You may have only a few pieces or many pieces that all need to come together seamlessly to form your complete picture. Some of the pieces that we analyze to build your comprehensive plan include investments, income, taxation, risk, Social Security benefit timing, spousal income replacement, long-term care planning and more.
Pre-Retirement Planning
We can help you have the retirement of your dreams, but we need to know what those dreams look like. We work with every client to help them build a comprehensive plan for retirement that will meet their income needs and fulfill their retirement dreams. Some of the things that we consider as part of the planning process include investments, income, taxation, risk, Social Security benefit timing, spousal income replacement, long-term care planning and more.
Investment Strategies
Stock picking and day-trading may work for some, but probably not for long. We believe in sound, long-term investment strategies designed to balance risk and performance over time to help you achieve your long-term goals. Our firm is large enough to be able to meet just about every need, but we are still small enough to offer “boutique” high net worth strategies that other large firms just can’t provide. Our unique approach to investing can give you a personalized plan that allows you to do get on with your life and enjoy the things that you love.
Asset Preservation
We help you find the right balance of safety and risk and bring those two competing worlds together for your benefit. Safe instruments such as insurance or annuities can play a vital role in finding that balance and creating income that will last throughout your life. We help demystify these products through easy-to-understand education and explanations.
Long-term Care Planning
When you think of long-term care, nursing homes probably come to mind. However, long-term care has evolved and can mean anything from getting help at home to assisted living. The longer we live, the more likely we are to become frail. We help you develop a plan when you need help. The best time for a plan is now so that you can rest assured that you will be taken care of in the future without being a burden to your family.
Generational Wealth Planning
To many of us, it’s important to leave a legacy behind for our kids and our grandkids. We can help you build a plan to enjoy your retirement while at the same time enhancing the legacy that you will leave for your family. Taxes play a huge role in generational wealth planning, and we can help you leave behind not only a legacy to your family, but the right kind of legacy that will have minimal tax consequences for them.
Strategic Tax Planning
Taxes are one of the most important things to consider in retirement. It’s easy to decide that it’s time to start drawing on your hard-earned nest egg. The hard part is knowing which of your funds is the most tax-efficient place to draw from and when. We can help you keep a balance of income that will minimize taxation and avoid higher tax rates in the future.
Start Investing In Your Future
Ready to take control of your financial future? Getting started with our firm is simple and straightforward.