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We create retirement strategies designed to give you the freedom to retire on your terms.
Most of our clients don't have the time to sit down and study retirement planning
They are either busy working or enjoying time with friends and family.
Then, that moment happens...
Health concerns may cause you to slow down at work.
You miss a wedding or family event due to work commitments.
Sometimes, just general burnout sets in.
Boom! You think about retirement or maybe even semi-retirement. Or just the thought of a sabbatical for a year.
Having the freedom to decide, when, where and how you work is the definition of retirement.
Retirement = Freedom to do what you want, when you want.
Let's help make work optional and build a retirement plan that helps maintain your standard of living.
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1. Tax Planning The goal isn't just to pay less in taxes this year. It's to reduce your lifetime tax bill. Taxes can be one of your largest lifetime expenses, particularly in retirement when required minimum distributions, Social Security, pensions, investment income, and other sources of income come together. Each year, we review your tax situation and look for opportunities to improve your long-term tax strategy. Our tax planning includes: Tax Return Review – Identify planning opportunities based on your actual tax return. Roth Conversion Planning – Determine whether converting traditional retirement assets to Roth accounts may make sense. Tax Withholding Guidance – Help determine how much you should be withholding from Social Security, pensions, retirement distributions, and other income sources. Withdrawal Strategy – Determine which accounts to draw from and in what order. Tax-Efficient Account Funding – Evaluate where new savings should be directed based on your overall tax situation. Long-Term Tax Planning – Look beyond this year's tax bill and consider how today's decisions affect your future taxes. Tax Preparation If you would like us to coordinate your tax preparation, you can use our trusted tax-filing partner at no additional cost as part of our planning relationship. Already have a CPA you trust? That's perfectly fine, too. You can continue working with your existing CPA. We can work alongside your CPA by providing the financial planning and tax strategy they need to help coordinate your overall plan.
2. Estate Planning Your estate plan should change as your life changes. Every other year, we review your estate plan to make sure your documents, beneficiaries, and key decision-makers still reflect your wishes. We look at: Beneficiary designations on retirement accounts and insurance policies Trustees and successor trustees Executors and successor executors Powers of attorney Healthcare directives Whether the people you've chosen are still comfortable serving in those roles How your estate plan works with your overall financial plan Need Estate Documents? For straightforward estate planning needs, we partner with an estate document creation company that works with estate attorneys to help create appropriate documents. For clients who choose this service: Living Trust + Deed: $900 when a home is being placed into the trust Will: $250 Power of Attorney: Included at no additional cost Healthcare Directives: Included at no additional cost For higher-net-worth clients or more complex estate planning situations, we can refer you to our network of qualified estate planning attorneys. These attorneys provide specialized legal advice and charge their own separate fees. Our role is to help coordinate the estate planning process with your broader financial plan—not to replace your attorney.
3. Insurance Planning Insurance is designed to protect the wealth you've spent your life building. We review your insurance needs every other year to make sure your coverage still makes sense as your assets, income, family, and circumstances change. Property & Casualty Insurance We review: Homeowners insurance Auto insurance Umbrella liability coverage The goal is to help determine whether you have appropriate coverage without paying for coverage you don't need. We can also connect you with trusted Property & Casualty insurance professionals who can provide quotes and help you obtain the appropriate coverage. Life, Disability & Health Insurance We also incorporate insurance into your broader financial plan, including: Life insurance Disability insurance Health insurance Medicare When additional coverage is appropriate, we can connect you with qualified life insurance professionals who can help you evaluate and obtain coverage. We don't believe insurance should be purchased in isolation. It should be evaluated based on how it fits into your overall financial plan.
4. Investment Management Your investment strategy should serve your financial plan—not the other way around. For clients who choose investment management, we work with institutional money managers rather than attempting to pick individual stocks ourselves. Because we are independent, we can evaluate strategies from a broad range of investment managers and providers and select approaches that fit your financial plan, risk tolerance, time horizon, and goals. Our investment management process focuses on: Building an appropriate asset allocation Determining how much risk your plan can actually afford to take Managing portfolios around your financial goals Diversification Tax-aware investment decisions Maintaining discipline through market volatility Monitoring and adjusting your strategy as your plan changes We believe the right investment strategy starts with understanding how much return your plan actually needs. Already Managing Your Own Investments? That's okay. If you prefer to manage your own investments—or most of your assets are held in employer retirement plans such as a 401(k), 457(b), or Thrift Savings Plan—we can still provide guidance. We'll help establish an appropriate benchmark, evaluate how you're currently positioned, and provide recommendations for bringing your investments more closely in line with your overall financial plan. You don't need us to manage your money for us to help you make better investment decisions.
Burning Topics
How Much Can I Spend In Retirement?
How Can I Reduce Taxes in Retirement?
Can I Afford to Retire?
When Should I Take Social Security?
Roth Conversion Planning
Medicare Planning
Retirement Investment Strategy
Creating Your Retirement Paycheck
Retirement Tax Planning
Required Minimum Distributions
Where Are You On Your Journey?
Where Are You On Your Journey?
10-15 Years From Retirement
5-10 Years From Retirement
1-5 Years From Retirement
Already Retired
Fee-Only & Fiduciary If you have spoken to a financial advisor before there is a strong chance that you have spoken with a Stockbroker and/or insurance representative who receives a hefty commission check for a product they are selling. The fees of commission-based agents and brokers are tied to specific products and transactions. This model misses completely much of what clients need. Although even commission-based agents can serve their clients in unique ways, product commissions seem a backhanded way to acquire comprehensive wealth management.
Fiduciary
No Commissions. No Surrender Fees. Unlike much of the Financial Industry, I do not sell commissioned products. No Surrender Fees Ever.
Transparency
Independently Owned Because I am not tied to any large Bank, Brokerage, Insurance Company I do not answer to anyone but you.
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