We work with you to create an Income Plan that is in your best interest. Both guaranteed income and portfolio withdrawal considerations are analyzed to meet your monthly retirement expense needs.

We will look at where you are at today financially and what a retirement income plan would look like under your existing financial scenario. We’ll look at your current lifestyle expenses and compare to your expected retirement spending, the 'guaranteed' income(s) you are expecting, and any income/expense gap that may exist.

We'll design a low-cost investment portfolio to meet your needs, goals, and Risk Tolerance. We use a variety of Mutual Funds, ETFs, Index Funds, available on custodial platforms such as Schwab and Vanguard.

We will evaluate your needs, goals, Risk Tolerance, and then design a low-cost portfolio that matches your Risk Tolerance profile and meets your investment goals.

Are Roth Conversions are good for you and what the impact is on your 30+ year retirement timeline? If so, we'll be able to guide you on how much and when.

For some clients, tax planning can be a huge benefit in retirement, especially before your Required Minimum Distributions (RMDs) start to kick in, starting as early as age 73, depending on your current age. During the time between when you retire and when you start RMDs may be a good time to perform Roth Conversions to minimize your overall multi-year tax burden and also create a tax-free portfolio (generally, preferred over tax-deferred).

Do you have the appropriate amount of life insurance? Is it even required? What is the financial risk if one spouse dies? Does your retirement have other financial risks?

We will help you right-size your emergency fund, review risk mitigation strategies such as life insurance should one spouse pass away.

We’ll help you look at the various alternatives for LTC including insurance, hybrid life, and self-funding.

Commonly overlooked is what type of healthcare plan will be best for you. At age 65, everyone qualifies for Medicare Part A. What about Part B and D? Did you know there’s a Part C (Medicare Advantage) that is operated by private insurance companies much like an HMO. It’s usually cheaper than original Medicare, but may not be the best for you.

We’ll help you look at the various alternatives for LTC including insurance, hybrid life, and self-funding.

For some clients, the cost of Long-Term Care (LTC) can be devastating. We can show you the impact on your retirement time horizon. Should you mitigate the risk with a LTC insurance policy, hybrid life insurance policy (life plus LTC rider), or self-fund LTC from your Investment Plan?

Everyone needs to have their estate planning documents in order. HNW individuals will need to go much further in tax planning and legacy planning.

Part 1: Estate: Review your existing estate planning documents such as existing Will, Trust, PoA, and medical PoA with some comments and recommendations to discuss with your Estate Planning Attorney.