As you approach retirement, your goals change from trying to double your nest egg, to working to preserve it. At the same time, we want to live comfortably off the income it provides without reducing your principal. To help you achieve those goals, we work with you every step of the way to deliver personalized strategies with reliability and predictability for the rest of your life.

• Social Security Maximization
• Income & Expense Analysis
• Tax Plan
• Spousal Plan
• Longevity Protection

Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.

• Accessing your Risk Tolerance
• Adjusting your Portfolio to Reduce Fees
• Volatility Control
• Evaluate Ways to Reduce Risk While Still Accomplishing your Goals
• Comprehensive Institutional Money Management

Tax planning is an important part of the retirement planning process. When you retire, some income (such as Social Security benefits and required minimum distributions) are added to your yearly taxable income. We understand you worked hard for your money and want to help you keep as much of it as possible. That’s why we focus on structuring your assets to minimize future tax implications.

• Assessing the Taxable Nature of your Current Holdings
• Strategizing Ways to Include Tax-Deferred or Tax-Free Money in your Plan
• Strategize Which Tax Category to Draw Income from First to Reduce Tax Burden
• Leverage your Qualified Money to Potentially Leave Tax-Free Dollars to your Beneficiaries

Who will take care of you if you are unable to care for yourself? One of the biggest concerns may not be outliving income but outliving good health.

• Create a Plan to Help Protect you Against Rising Healthcare Costs
• Review of Medicare – Parts A, B and D Options
• Analyzing Options for a Long-Term Care Plan

When major life events happen, such as birth, death, marriage, or divorce, it is crucial that you have a relevant and updated estate plan that preserves your legacy. This type of planning includes the distribution of your assets, both during your life and upon your death. By working collaboratively with a qualified Estate Planning Attorney, our goal is to help you:

• Maximize your Estate and Income Tax Planning Opportunities
• Protect any Assets in Trust and Ensure they are Distributed to your Beneficiary’s Probate Free
• Protect your IRA and Qualified Accounts from Becoming Fully Taxable to your Beneficiaries Upon your Death