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"I take the time to get to know you — your goals, priorities, and comfort with risk — and then design a personalized plan built to move you toward the future you want." 

- Marc Lowe CFP

Services

Retirement Income Planning

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Retirement Income Planning —

The Questions We Help You Answer

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  • How do I turn my savings into consistent income without running out of money?

  • Which income sources should I use first: Social Security, pensions, retirement accounts, business income, or investment accounts?

  • How do I coordinate multiple income streams so they work together instead of against each other?

  • When should I claim Social Security to best support my long-term income and tax situation?

  • How much can I realistically spend each year and still feel confident about the future?

  • How do taxes change once I start withdrawing from IRAs, 401(k)s, and taxable accounts?

  • How do Required Minimum Distributions fit into my income plan, and can I reduce their impact?

  • For business owners:

    • How should business sale proceeds or ongoing payments be integrated into retirement income?

    • How do I reinvest or deploy that cash without creating tax or market risk?

  • How do I plan for inflation, market downturns, and longer-than-expected longevity?

  • If something changes—markets, health, expenses—do I have flexibility built into my income plan?

Tax Mitigation

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Tax Planning — The Questions We Help You Answer

  • Am I paying more in taxes over my lifetime than I need to, simply because I’m using default strategies?

  • Should I be contributing to pre-tax, Roth, or taxable accounts at this stage of my life—and how should that change over time?

  • Would Roth conversions actually lower my lifetime tax bill, or would they just create a large tax bill today?

  • Am I at risk of future tax spikes from Required Minimum Distributions, Medicare premiums, or changes in tax law?

  • Which investments belong in which accounts to reduce capital gains taxes and unnecessary distributions?

  • How can I reduce year-end capital gains and surprise tax bills in my taxable portfolio?

  • Are my investment returns being quietly eroded by poor tax positioning rather than market performance?

  • How do business income, bonuses, or one-time events affect the tax decisions I should be making now?

  • Are my tax decisions coordinated with retirement income, charitable giving, and estate planning—or operating in silos?

  • Is my CPA seeing the same long-term strategy I’m aiming for—or just preparing last year’s return?

Estate planning

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Estate Planning —

The Questions We Help You Answer

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  • Does my current estate plan still reflect my goals today, or is it based on an old version of my life?

  • Are my will, trust, powers of attorney, and healthcare directives still valid, up to date, and coordinated with each other?

  • If something happened to me tomorrow, would my family clearly understand what to do—and why?

  • Do my beneficiary designations and account titling actually match what my estate documents say? Or could they override my wishes?

  • Have changes in wealth, family dynamics, or business ownership created risks or gaps in my plan?

  • Are there tax or distribution issues that could unintentionally reduce what my heirs receive?

  • For business owners:

    • What happens to my business interest if I die or become incapacitated?

    • Is this coordinated with my broader estate and succession goals?

  • If updates are needed, do I know exactly what needs to change before meeting with my estate attorney?

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Optimize Workplace Benefits a Work

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Optimize Workplace Benefits —

The Questions We Help You Answer

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  • Am I contributing to my 401(k) or retirement plan in the most tax-efficient way for my situation?

  • Should my contributions be traditional, Roth, or a mix—and how should that change over time?

  • Is my retirement plan helping lower my lifetime tax bill, or just deferring taxes without a strategy?

  • Does my employer-provided life insurance actually protect my family and income if something happens to me?

  • Do I have gaps in coverage that I wouldn’t find out about until it’s too late?

  • Is my health insurance the right fit for my specific health needs, prescriptions, and doctors—for both me and my spouse?

  • Am I overpaying for coverage I don’t need—or underinsured where it matters most?

  • Is my disability insurance adequate to protect my income if I can’t work due to illness or injury?

  • Do I fully understand what my benefits cover—and just as importantly, what they don’t?

  • Are my workplace benefits coordinated with the rest of my financial plan, tax strategy, and family goals?

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Charitable Gifting Planning

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Charitable Gifting —

The Questions We Help You Answer

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  • Is my charitable giving actually creating the impact I want, or is it mostly reactive and last-minute?

  • Am I losing potential tax deductions because of how or when I give each year?

  • Since I give more than the standard deduction, am I structuring gifts in the most tax-efficient way?

  • Should I be giving cash, appreciated investments, or using a multi-year strategy instead?

  • How do I time my charitable giving to align with high-income years, business income, or one-time events?

  • Am I coordinating charitable gifts with other tax strategies like Roth conversions or capital gains planning?

  • Would bundling or smoothing charitable deductions over multiple years increase my tax benefit?

  • How do charitable goals fit into my broader retirement and estate plan?

  • If charitable giving is important to my legacy, am I setting it up in a way that continues beyond my lifetime?

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Investment Management

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Investment Management —

The Questions We Help You Answer

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  • Is my portfolio actually aligned with the goals I’m investing for, or is it just a collection of accounts and funds?

  • Am I taking more risk than I realize—or not enough to realistically reach my goals?

  • How should my investments change as my life, income, or retirement timeline changes?

  • Are my investments coordinated across all accounts, or are they unintentionally duplicated or working against each other?

  • Is my portfolio designed to handle market downturns without forcing bad decisions at the worst time?

  • Am I paying unnecessary fees, taxes, or trading costs that are quietly reducing my returns?

  • Are my taxable investments structured to minimize capital gains distributions and tax drag?

  • How does my investment strategy support retirement income, charitable giving, and estate goals?

  • Do I have a clear plan for what to do when markets are volatile—or am I reacting emotionally?

  • Is there a disciplined process in place to rebalance, adapt, and stay aligned over time?

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Want to learn more about securing your financial future?

​Let us show you how we’ve helped many people retire

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One size doesn't fit all. We offer personalized strategies that fit  your unique financial situation and retirement aspirations.

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