Process & Services

Our goal is to help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life. This typically includes:

• Income & expense analysis
• Social Security maximization
• Inflation planning
• Spousal planning
• Retirement Income GapTM funding
• Organizing, tracking and testing the plan

Once your income is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month. This typically includes:

• Risk tolerance assessment
• Fee transparency
• Volatility control
• Coordinating assets to achieve your goal

Any comprehensive retirement plan will include a strategy for tax liabilities. We focus on putting together a proactive strategy to help minimize the amount of taxes you pay in retirement. This typically includes:

• Financial planning software to make the best tax decisions
• Required Minimum Distributions planning
• Roth conversion analysis
• Tax-deferral
• Reviewing account types, titling and beneficiary designations

A comprehensive plan will also have a strategy for addressing rising healthcare costs. This typically includes:

• Creating a plan for future health care expenses
• Looking at all aspects of Medicare, Parts A, B and D.
• Analyzing options for a long-term care plan

It is important to ensure your hard-earned assets go to your beneficiaries in the most efficient manner. We work collaboratively with a qualified Estate Planning Attorney in completing your plan. This typically includes:

• Drafting, reviewing or amending your living trust
• Power of Attorney documents
• Funding your trust
• Titling your accounts properly and updating your beneficiaries
• Grandchild/child life plan