Our Process

Retirement Planning part one-  income

Income Planning

Our goal is help ensure our expenses can be paid on a monthly basis with reliability and predictability for the rest of your life.

  +Income & Expense Analysis

  +Social Security and Pension Maxization

  +Maximum spousal survivor income

  +Tracking and Maintaining Plan

Retirement Planning part 2- Investment

Investment Planning

Having an investment plan that matches your Income, Tax, Growth, and Legacy goals.

  +Risk assessment*

  +Fee Transparency

  +Volatility Management

  +Asset coordination to meet goals

Retirement Planning part 3- Tax

Tax Planning

A Comprehensive Retirement Plan should include a strategy to manage tax risk.  We work collaboratively with a qualified CPA firm in completing your plan. This typically includes:

  +Financial planning software to evaluate tax decisions

  +RMD Planning

  +Roth Conversion analysis


+Reviewing Account types, titling and beneficiary designations

Retirement Planning part 4- Health Care

Health Care Planning

A comprehensive plan will also address and evaluate the risks of rising health care costs. This typically includes:

  +Creating a plan for future health care expenses

  +Looking at all aspects and costs of Medicare Parts A,B, and D.

  +Analyzing risks and affordability of Long-Term Care

Retirement Planning part 5- Leegacy

Legacy Planning

After a lifetime of hard work it is important to look out for the people and organzations that are most important to you. We work collaboratively with a qualified estate attorney in completing your plan. This typically includes

+Drafting, reviewing, or amending your Living Trust

+Power of Attorney Documents

+Titling your accounts properly and updating your beneficiaries

+Grandchild/Child Life Plan

Ready To Get Started?

* Risk tolerance is an investor’s general ability to withstand risk inherent in investing. The risk tolerance questionnaire is designed to determine your risk tolerance and is judged based on three factors: time horizon, long-term goals and expectations, and short-term risk attitudes. The adviser uses their own experience and subjective evaluation of your answers to help determine your risk tolerance. 

There is no guarantee that the risk assessment questionnaire will accurately assess your tolerance to risk. In addition, although the advisor may have directly or indirectly used the results of this questionnaire to determine a suggested asset allocation, there is no guarantee that the asset mix appropriately reflects your ability to withstand investment risk