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
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
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
+Tax-Deferral
+Reviewing Account types, titling and beneficiary designations
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
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.
Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA
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
Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.
Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.