Services

PRE-RETIREMENT PLANNING

Since the turn of the millennium, the financial markets have presented two catastrophic bear markets that investors have had to endure. The downside risk is fresh on many investors’ minds. This combined with historically low interest rates has made it challenging for advisors and their clients seeking consistent compounding solutions that will provide sustainable income in retirement.

Today’s pre-retirees and retirees may be challenged as no other recent generation has. They may spend more than 20 years in retirement due to improved lifestyles and longer life expectancies. Many of our clients are concerned about outliving their savings, and sometimes the wealthiest individuals can be the most vulnerable. More than ever before, retirees are dependent upon their investments to generate retirement income, with fewer companies providing traditional pension plans, retirees are being forced to assume the investment risk associated with their retirement assets.

POST-RETIREMENT PLANNING

Is your retirement turning out as planned? Could it be better? Would you rather be doing the things you enjoy rather than wondering and worrying about your investments? 

Many of our clients were not happy with the direction their original retirement plan was going, so they came to us looking for a better way. Just as a patient might seek a second opinion regarding a medical issue or diagnosis, many of our valued clients originally came to us seeking our perspective and professional opinion on the existing financial approach they had in place.

With so much at stake, isn’t your financial future worth this second opinion? We believe you’ve worked far too hard not to enjoy this chapter of life to its fullest, and we encourage you to let us help you do just that!

IRA & 401(K) ROLLOVERS

Whether with a former employer’s retirement plan, in a current 401(k) or sitting in an IRA, your accumulated retirement savings will likely provide a large portion of your monthly retirement income. It is very important to make sure your accounts have enough security and earning potential to meet your needs.

We know the IRS, custodian and administrator requirements to help ensure 100% of your money is working for you. We can handle rollovers from many different locations including: local and national banks and credit unions; online brokers; mutual funds; employers; and many others.

INCOME MAXIMIZATION

We work to help ensure all your accounts achieve the best performance possible, so that you have the money to do the things you enjoy – traveling, gardening, golfing, hunting, fishing, etc.

A significant investment loss can also have a devastating impact on the amount of income you receive over the course of your lifetime. A properly structured retirement portfolio, on the other hand, uses proven financial principles to account for and hedge against the ups and downs of the stock market and generate guaranteed retirement income you absolutely cannot outlive.*

*Guarantees subject to the financial strength and claims paying ability of the issuing insurer.

GROWTH STRATEGIES

Effectively growing your money for future needs (retirement income, emergencies, spending, etc.) can be a tremendous challenge. Many find themselves asking the following questions:

Can I make more without increasing my risk? Can I take less risk without decreasing my earnings? What is the best possible allocation strategy given my goals? Is this particular investment really right for me? How can I still benefit in today’s volatile market?

It takes a skilled individual to position their cash in such a way where it is continually in growth mode. One of the most common mistakes Americans make with regard to their finances is a failure to understand the magic and power of compound interest.

TAX PLANNING

Every dollar that goes to Uncle Sam is not only gone, but your ability to earn interest on that money is also gone. Taxes are the largest single expense you will ever have. Paying less tax in the current year is what most people focus on but often overlook the tax implications of their future retirement income. Losing retirement income to taxes will have a significant impact on your future lifestyle. A good retirement plan will minimize the impact of taxes.

In compliance with IRS regulations, any tax advice contained or attached to this website was not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any matters addressed herein.

ESTATE PLANNING

Though the term may seem complex, estate planning is simple (while you’re still alive). Determining where your assets should go after you die and making sure those beneficiaries receive as much as possible with as little effort as possible.  One of the key components to estate planning is Life Insurance. 

Our team can review your estate planning goals with you. We work with you and with our experienced estate planning attorneys to create a custom fit plan that meets your needs.