OUR SERVICES:
COMPREHENSIVE PLANNING
This is YOUR Retirement so we start with your goals, dreams, and desires. From there we develop a blueprint for your retirement journey. A Written Financial Plan is the Navigational System we use to keep you on course for success. We will evaluate all of your sources of income to determine the most efficient way to utilize your savings to accomplish your goals for yourself and your legacy.
Tax Planning
From RMDs to IRAs and ROTH Conversions, tax planning in retirement helps you make the most of your savings so that you have the financial resources to enjoy your retirement years. We will do the calculations to show you the most efficient ways to navigate your annual tax bill and enjoy your nest-egg. Then, we will create a plan to pass on any remainder in a tax-efficient manner too.
Income Planning
Social Security, Pensions, Rental, Annuity and Portfolio income are all places where you can pull money to fund your lifestyle. Our income planning shows you when and where to draw those funds in order to maximize their benefit throughout your retirement years. You’ll know how much you can comfortably spend.
Estate Planning
This written plan helps you leave a meaningful legacy to the loved ones or charities you wish to provide for when you are gone.
PROFESSIONAL ASSET MANAGEMENT
Portfolio Construction
Navigating today’s complex markets can be daunting. Our expert portfolio construction services take the guesswork out of investing. We work closely with you to understand your unique financial goals, risk tolerance, and time horizon to craft a personalized portfolio designed to maximize returns while minimizing risk. Let us build a robust, diversified portfolio that aligns with your specific needs, freeing you to focus on what matters most to you.
Risk Management
In the world of investing, potential reward is intrinsically linked to risk. Effective risk management is crucial for protecting your portfolio and achieving your financial goals. By carefully assessing your risk tolerance and implementing strategies to mitigate potential losses, we navigate market volatility and preserve capital while still pursuing growth opportunities. A well-managed retirement portfolio isn’t just about maximizing returns; it’s about understanding and controlling the inherent risks involved.
Simplified Fees
Our straightforward fee structure is designed to be among the lowest in the financial services industry. We just don’t believe in taking advantage of our customers. We are looking forward to serving your children and that only happens if we consistently provide honest, ethical, cost-effective service to you. We eliminate hidden costs and complex formulas that can eat into your returns. This means that more of your hard-earned money stays invested and working for you, allowing you to reach your financial goals faster.
Please Compare our Fee Structure:
Up to $1,000,000 - 1.0%
$1M to $3M - 0.75%
$3M+ 0.50%
Guaranteed Income
Individuals approaching or entering retirement often seek ways to protect their savings and ensure a steady income stream throughout their golden years. Offloading market risk to an insurance company through annuities or other financial products can provide peace of mind by mitigating the potential for investment losses. Similarly, transferring longevity risk – the risk of outliving one's assets – to an insurer guarantees income for life, no matter how long that may be. This strategy allows retirees to enjoy a predictable income stream, reducing financial anxieties and ensuring they can maintain their desired lifestyle without the constant worry of market volatility or depleting their savings. Clients who invest a portion of their nest-egg in these products gain financial security and the freedom to focus on enjoying their retirement years..
An Example:
A 62 year old person who invests $250,000 and is willing to wait four years (age 66) to turn on income, can expect a paycheck of $24,075 per year for the rest of his or her life.
These examples are current as of the date of publication (January 2025) and are subject to change. Please contact us and we will be happy to run specific numbers for your individual circumstance.
With you for Life’s Changes
Your Retirement Plan will constantly evolve, update, and change as life happens around you. Things as complicated as tax-loss-harvesting and ROTH Conversions or as simple as buying a new car should all be part of your on-going planning so that you know the impact of the choices you are making. We are here to help you through all of those decisions and many more!
We are like “Mission Control” constantly updating all of the parameters. You are the Pilot who ultimately makes the decisions based on the latest information. Throughout the journey we will help you course correct along the way!