Our retirement planning services provide you with  clarity and direction so you can spend time doing the things that are most important to you.

Our retirement planning process includes:

• Improving and tracking the success rate of your plan
• Turning your retirement savings into a reliable paycheck
• Developing a cohesive investment strategy to complement your financial plan
• Ongoing tax planning to reduce your tax bill
• Aligning all the moving parts of your financial life to provide peace of mind

Our decades of experience together with cutting edge financial planning technology  help to build your plan, track its success rate and adjust for life’s unknowns.

We help to determine the ideal time to collect Social Security. By analyzing your entire financial picture, we are able to advise a Social Security timing strategy that is designed to optimize your benefits. To do that we take into consideration how your social security benefits interact with other income, such as:

• Rental Income
• Pensions (Government Pension Offset and Windfall Elimination Provision)
• Required minimum distributions (RMDs)
• Dividends and Interest
• Capital Gains

Our analysis considers family health conditions, spousal benefits, personal preferences, and more. 

Our estate plan analysis provides an overview of your legal framework.  It is important to consider who will oversee your money and health matters when you can’t - due to incapacity or death. Additionally, your documents may need to provide direction on who will take care of minor children or adult children with special needs.  

We partner with your trusted attorney to create or modify estate planning documents including: Power of Attorney for Property, Power of Attorney for Health Care and A Last Will.  

Our investment portfolios are designed to complement your individual comprehensive financial plan. Utilizing a rigorous and disciplined approach, we carefully coordinate both internal and external accounts with a focus on asset location (401K, IRA, taxable) to enhance tax efficiencies.  

We strive to keep costs low.  For that reason, we build our retirement portfolios using low-cost ETF’s and institutional mutual funds.  This helps to improve the success rate of your retirement plan and reduce unnecessary expenses. 

Our investment portfolios are designed to complement your individual comprehensive financial plan. Utilizing a rigorous and disciplined approach, we carefully coordinate both internal and external accounts with a focus on asset location (401K, IRA, taxable) to enhance tax efficiencies.  

We strive to keep costs low.  For that reason, we build our retirement portfolios using ultra-low-cost ETF’s and institutional mutual funds.  This helps to improve the success rate of your retirement plan and reduce unnecessary expenses. 

We strive to help you turn your life savings into a reliable income stream.  Our holistic approach takes into consideration all your income sources including Social Security, Pensions, Rental Income, Required Minimum Distributions, and more.  Our aim is to ensure the money you worked hard for works as hard for you in your retirement.

Our approach is backed by decades of experience and strives to:

• Keep your taxes low
• Reduce costs
• Maximize your investment return
• Avoid Medicare means testing
• Preserve your savings

Carefully coordinating all of your income streams helps to ensure you don’t pay more than your fair share of taxes. Why? Because it is possible to be in a higher tax bracket in retirement than as a working professional. Keeping taxes low throughout retirement is one of the key elements to a successful plan.

Our insurance planning process analyzes your potential risks and current insurance coverage to help maximize your protection at a reasonable cost.

We conduct comprehensive reviews for our clients on the following types of insurance:

• Life Insurance
• Long Term Care Insurance
• Property and Casualty Insurance
• Disability Insurance

As a fee-only financial planning firm, we are not conflicted by commissions.  As a result, we make our recommendations solely on what is in your best interest and not influenced by big commissions.  

Schedule a complementary 30-minute introductory visit where we will get to know one another, answer any questions you make a good fit for one another.

Schedule a Call

Next, we’ll meet in our office or virtually to further discuss what matters to you - both personally and financially. We will dive deeper exploring your current financial picture, your goals for retirement and legacy wishes.

We will meet either in-person or virtually to present your written unique comprehensive financial plan. We walk you through your plan, providing clear actionable recommendations designed to put your plan into action.