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Your retirement – and planning for it carefully – requires more than just setting up accounts for your retirement investments. When done right, it is a process that includes thoughtful consideration of your current circumstances and long-term goals. We can help take the mystery out of planning for your financial future by helping you create an effective personal retirement savings strategy and providing reliable guidance and support every step of the way. Whether you’re just starting out, mid-career, nearing retirement or living in retirement now, we’re here to help you get on track to your retirement dreams.
You’ve worked hard to finally retire, or you’re close to retirement, so congratulations! Now it’s critically important that you have the right strategy in place during this very different phase of life with professional guidance you can trust. Living in retirement requires a carefully constructed plan of action to help make your savings last. This includes calculating your approximate annual expenses, determining how you can safely withdraw what you need, and which accounts to withdraw from first. Contact us to discuss a retirement income strategy that’s designed to meet your unique needs.
Having a financial strategy in place gives you a 360º holistic approach to defining and carefully considering every element of your financial life, then creating a map to help you or your family achieve your goals. Depending on your needs, we may integrate a number of services including investing, tax planning, estate planning, retirement planning, charitable giving, college planning, budgeting and life insurance. Each and every one of our clients is unique, so we tailor each financial strategy to their very personal situation, and we can help you too.
Our high net-worth clients rely on us for wealth management that integrates investment advice and strategies to manage their wealth comprehensively. For more complex needs that necessitate greater financial oversight and active management, we address areas such as income tax planning, Trust creation, philanthropic planning, risk management, and the transfer of wealth, all tailored to every client’s unique needs.
You can ensure that your assets are protected and passed on to the people and organizations you care about with estate planning, which also can help minimize the impact of taxes and other costs on your estate. Not limited to high net-worth individuals, everyone should take steps to establish a strategy to help protect and distribute their assets the way they want them distributed while avoiding probate, legal delays and expenses for their heirs. We can provide a thorough analysis of how an estate plan could help you attain your financial goals and protect your assets.
There are many ways to save for a college education, including starting as soon as possible to leverage your greatest asset; time. With the cost of higher education rising every year, and the burden of student loans facing young graduates, planning for the cost of college is more important than ever. A 529 plan, also known as a qualified tuition plan, is the most common savings plan for college expenses, but Education Savings Plans, Roth IRAs and Coverdell Education Savings Accounts (ESA) are also options. Contact us for guidance, and start saving for college today.
Analyzing the types of insurance you may need to protect your assets – and your ability to create assets – is a process known as insurance planning. Many different aspects of your comprehensive financial circumstances are assessed in the insurance planning process, from determining the type and amount of life, health, and automotive insurance you need, to whether disability and long-term care insurance might be appropriate for your personal situation. Insurance is just one part of a well-structured financial strategy and it should be considered in your overall financial plan of action.
For healthy people in their fifties and sixties, it may be difficult to imagine a time when they might lose the ability to live independently, or envision a future when they may need help with the basic functions of daily living. The very idea may raise anxiety about what can happen and the possible financial implications. Long-term care insurance may be the answer. We can help reduce fear and uncertainty and provide guidance on long-term care options that address your unique circumstances, which can help ensure quality of life in your later years. This can also help improve your sense of preparedness for you and your family about who will care for you, and how, in your later years.
You’re never too old to keep learning, or too young to start, which is especially true when it comes to your financial wellbeing. As the saying goes, many people don’t plan to fail, they just fail to plan. Sometimes that’s because the confusion and fear of “not knowing enough” stops them.
Our team of financial professionals will invest time into understanding your unique circumstances and goals, then help you optimize your personal financial health and wellness through financial coaching. Delivered in one-on-one sessions, workshops, and seminars, this ongoing dialogue and lifelong education will help improve your understanding of the fundamentals of personal finance and retirement planning. Gain confidence and go boldly into your financial future, with us.
Whether you need to get out of debt, or are looking to free up additional assets for savings or investment, we can help. Through detailed analysis and monitoring of your cash flow, expenses, and debt, we can help you reach your debt reduction or cash flow management goals.
If you have a debt problem, we can help implement strategies to accelerate repayment and divert surplus cash flow to pay down debt strategically. We can also help you use advantageous debt when appropriate. Effectively managing your debt and cash flow can have a significant impact on your overall financial health, so developing and maintaining good financial habits is necessary in reaching your goals. Cash flow planning and debt management are cornerstones of a sound financial strategy, and we can help you get there.
The practice of structuring an investment or financial strategy so that the least possible taxation occurs is called tax efficiency planning. We can help structure your tax efficiency strategy using the right combination of income-producing accounts that are tax-deferred, such as an Individual Retirement Account (IRA) or a 401(k) plan. Tax-efficient mutual funds are taxed at a lower rate relative to other mutual funds, and municipal bonds are exempt from federal taxes. Contact us for a consultation to see what strategy works best for you.
Most Americans know Medicare as a health insurance program administered by the federal government available to people age 65 and over, as well as those with certain disabilities and diseases. But for some, Medicare can be confusing. Participants need to understand how it works, and we’re here to help. There are three main parts to the Medicare program and a fourth part which is an option for supplemental coverage. Proper planning for Medicare involves learning what your basic Medicare parts already cover. Let us help take the mystery out of Medicare and show you how to optimize this important benefit.
While applying for Social Security benefits can be easy, knowing when to file in order to maximize the amount of money you’ll receive from the program throughout your retirement may not be so clear and can have long-term consequences. We can help you target your optimal retirement age, show you how much income you can expect, and possibly how to increase your benefits. If you need filing guidance or are interested in learning more, schedule an appointment today.
Some individuals and families need a more holistic approach to estate planning. This is the role of legacy planning, which is the process of developing a comprehensive strategy for managing your total wealth while you’re alive, distributing your estate in the manner you choose after your death, and creating a clear roadmap to pass your legacy of assets and wealth to your beneficiaries. A good legacy plan will make it possible for your heirs to retain maximum value from bequeathed assets. Contact us today for a confidential consultation to find out if legacy planning is right for you.