Services
Comprehensive Financial Planning
We specialize in helping you prepare and transition from your career into retirement. We help navigate tax planning issues, set up income from IRAs and investment portfolios, and properly plan your estate. We also help you find the best Social Security strategy to maximize lifetime benefits.
Retirement Planning
You’ve been saving for retirement for decades and have worked hard to get here. That’s why we make your retirement our priority. We provide retirement services that include advice about matters like estate planning, family legacy planning, Social Security, and income tax planning to help you maintain your lifestyle after retirement.
Our planning also addresses two of the biggest concerns retirees face: making assets last through a longer life and navigating the challenges of market downturns. We follow a disciplined, rules-based approach that’s designed to manage risk and help keep your retirement plan on track.
Investment planning
We believe the best portfolio is one you can stay invested in with confidence. That means balancing growth opportunities with strategies that help reduce risk, especially during market downturns.
Our approach is disciplined and rules-based, designed to limit exposure to large drawdowns while keeping clients invested in strong, long-term trends.
We build portfolios primarily with carefully selected ETFs screened for quality, liquidity, and competitive expense ratios, and, when appropriate, include individual stocks.
Every portfolio is customized to your goals and risk tolerance whether conservative, balanced, or growth-oriented and we also consider tax efficiency as part of the process.
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ESTATE PLANNING
Planning for retirement can be a joy. Imagine what you can do now that you have the time - the places you’ll go, the people you’ll see. But planning for retirement is serious business. You've worked hard to save and grow your retirement savings. Now you need to protect your family when you’re gone.
You should (better!) have a proper estate plan in place to help provide for your family and ensure that your wishes will be carried out. Then you can relax and enjoy your retirement. We can help you with estate planning for retirement as part of our comprehensive approach to retirement planning. After all, our goal is to offer you financial peace of mind, and that includes peace of mind regarding your legacy.
Tax planning
Taxes may affect your retirement income, and differently than you might expect.
Tax planning for retirement means looking at your finances, current and future, under a new light. For most of your working years, you’ve been earning and saving. When you retire, that likely transitions to spending, where the tax implications can be completely different. Some critical considerations include:
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How taxes on Required Minimum Distributions could affect your cash flow.
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How the timing of your Social Security benefits could increase your taxes.
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How taxes affect your Medicare benefits.
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How the IRS taxes your various types of income.
Unexpected post-retirement taxes can catch you off guard with costly fees that cut into your retirement savings. You could be taxed on up to 85% of your Social Security benefits. That’s currently a real risk, and one you may avoid with effective tax planning for retirement. Don’t wait until you’re retired to plan ahead.