Client Log InHow We Help
Making the Complex Easier to Understand
Confidence in Retirement Planning
Can I afford to retire? Am I overpaying the IRS? Are my investments appropriate for this
stage of life? Are my existing estate documents sufficient?
We frequently receive these types of questions. We get it — retirement planning is
complex, and it’s often fraught with uncertainty. The good news is, we’re here to guide
you and provide clarity.
Proactive Thought Process
Our Initial Case Analysis helps prospective clients proactively identify potential opportunities and avoid pitfalls within their unique retirement circumstances.
Personalized and Customized
No two retirements are identical, and we believe every retiree should have an investment, income, and tax plan that prioritizes the objectives that mean the most to them.
Professional Implementation
The retirees we serve understand that the success of their retirement is too important to relegate to the DIY list. They appreciate the value of having an experienced team do the heavy lifting.
Achieve Peace of Mind with a Clear
Understanding of Your Financial Future
Retirement Planning
Do you know how much you can safely spend in retirement?Our retirement planning process is designed to give you the highest possible retirement income without the risk of outliving your money. Having more confidence in retirement allows you to spend more time on the things that mean most to you. Services include:
- Easy to understand, safe, and dynamic withdrawal strategies
- Social Security analysis and recommendations
- Pension/401k analysis and guidance
- Adequate emergency fund determination
- Navigation around recent changes for inherited accounts
Spend more money early in retirement (when you’re likely healthier)
Less emotional energy wasted on worrying about poor market performance
Clear framework for purchasing large one-time items (such as a camper or a second home)
Tax Planning
Are you overpaying in taxes?No one wants to pay Uncle Sam more than required. Are you aware of how your investment accounts are taxed differently? We’ll help you understand why certain investment types should be held in certain accounts and not in others. We also help retirees proactively identify future tax liabilities to analyze if we might be able to mitigate those tax bills ahead of time through planning, including:
- Roth conversion analysis
- Tax-loss harvesting
- Contributing to proper tax-deductible accounts
- Required minimum distributions (RMDs)
- Qualified charitable distributions (QCDs)
Confidence with required minimum distributions
Charitable giving strategies to reduce tax bill
Don’t overpay the IRS!
Investment Management
Are your investments appropriate for retirement?Your investment accounts in retirement should be intentionally managed to support your goals and lifestyle. Over the course of retirement, history tells us we can tilt the odds in your favor by implementing low-cost, globally diversified portfolios. We can support this initiative in several ways, including:
- The consolidation of old retirement accounts (401k/403b)
- Optimizing tax-advantaged accounts (IRA, Roth IRA)
- Assessing self-employed accounts
- Reviewing stock option/RSU grants
- Incorporating inherited accounts
Daily monitoring to ensure accounts remain aligned with your retirement plan
Reduced volatility with globally diversified portfolios
Investment portfolios that keep up with inflation over time
Risk Management & Estate Planning
Are there actions you can take to protect your assets and loved ones?Having proper insurance and estate documents in place is essential in retirement. Knowing your insurance coverage is adequate and your estate documents are current can provide peace of mind. Should our team find a potential “gap” in coverage, we’ll gladly make an introduction to another professional who can help review and assist with your insurance and estate planning needs.
We’ll make sure to thoroughly review and confirm:
- Estate documents
- Beneficiaries on all accounts
- Life and disability insurance
- Property and casualty terms
- Long-term care insurance
Confidence in your Legacy
Assurance your assets are protected
Ensure you’re not overpaying for insurance
Schedule a Call
We have designed a simple, three-step process to help
you evaluate if our firm might be the right fit for you.
SUCCESS STORY
Can we Retire Earlier?
Bob and Carol were both approaching age 60 and felt they had done a decent job saving. With a newfound desire to travel and spend more time with new grandkids, they wondered if earlier retirement was a possibility. However, a few concerns were keeping them up at night, including thoughts like:
- How can we bridge the gap for health insurance if we retire before Medicare begins at age 65?
- We are both currently healthy and would prefer to spend more money early in retirement while we feel good enough to travel. How can we safely plan for this financially?
- Given the majority of our retirement is held in pre-tax 401(k) plans, are there ways we can mitigate the significant taxes we will owe once Required Minimum Distributions begin?
