The Process

Our goal is to help create a retirement income plan that takes into consideration all your expenses, retirement lifestyle, and long-term goals taking into consideration market volatility.  This typically includes:

• Social Security Maximization
• Income & Expense Analysis
• Inflation Plan
• Spousal Plan
• Longevity Protection

Once your income plan 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:

• Assessing your Risk Tolerance
• Adjusting your portfolio to reduce fees
• Volatility Control
• Evaluate ways to reduce risk while still working towards your goals
• Comprehensive Institutional Money Management

Any comprehensive Retirement Plan will include a strategy for potentially decreasing tax liabilities. This typically includes:

• Assessing the taxable nature of your current holdings
• Possible I.R.A. Planning
• Strategizing ways to include tax-deferred or tax-free money in your plan
• Strategize which tax category to draw income from first to potentially reduce tax burden
• Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries

Our strategic partners will create a plan to help you address rising healthcare costs with a minimum of expense, including:

• 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 tax efficient manner. By working with your qualified Estate Planning Attorney, our goal will be to help you:

• Maximize your estate and income tax planning opportunities
• Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
• Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death