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all your financial priorities


Think of all the money you’ve saved over the years. Remember all the changes you’ve overcome. Picture your life throughout retirement. Imagine the planning it takes to make your money last. With all the variables you’ve faced and those yet to come, one constant, however, does exist – our ability to help you manage your finances and pursue your goals as you approach retirement and throughout your retirement years. Through the full spectrum of financial services we offer, we can help you plan not only for a wide range of needs, but also for the long succession of significant events that span your lifetime.

Retirement planning plays a crucial role in any sound financial plan. And it doesn’t matter if you’re saving for retirement, nearing it, or if you’ve already retired, retirement planning needs to play a role in each of these phases – because each phase brings its own challenges and opportunities.

If you’re in the saving phase and not yet near retirement years, we’ll help you with disciplined investing so you may pursue savings goal. We will also work with you to identify the factors, or risks, most relevant to your situation and plan for them. These may include inflation, interest rates and market volatility.

If you’re nearing retirement, but are not sure if you can afford to stop working, it’s time to take action. We can work with you to assess your financial situation, take stock of your assets and liabilities and determine what actions we can take together as you strive to generate the income you’ll need throughout your retirement years.

If you’ve already retired, preserving your wealth and maintaining your lifestyle are likely among your highest priorities. Like most people, you’d love to stay in your home as long as you want and be able to leave behind the legacy you’ve envisioned. We can guide you in preparing for these goals and assist you with planning to help mitigate circumstances that may pose as threats.

To create a fully comprehensive retirement plan, we can also work with you to create an estate and legacy plan, and help identify insurance needs such as long-term care as part of a longevity plan. Whatever your goals or concerns, we are equipped with the knowledge and experience to help you prepare for this most significant milestone in life.

Because people are living longer today, the possibility of going 30 years in retirement without a paycheck is a real possibility. Doing so takes careful retirement income planning and disciplined investing.

We can create a plan for sustainable monthly withdrawals from your investment portfolio designed to help make your money last your lifetime. These withdrawals can be deposited into your bank account so you can enjoy all the conveniences you did when you were working – like direct deposit – so you may continue on with your life uninterrupted.

In addition, we can help you with wealth management needs such as income projections and distribution planning that includes required minimum distributions.

If there’s one thing we know for sure, no two investors are alike. And it’s also important to remember that retirement from work doesn’t mean you also retire from investing. In fact, your money needs to work harder after retirement than any other time in your life. That’s why we take a very strategic, prudent and personalized approach to investment planning.

We will customize a personal investment strategy based on factors such as your objectives, time horizon and risk tolerance. Next we will evaluate your current holdings and allocate your assets in a diverse variety of sectors and investments designed to increase the likelihood of generating a consistent return over the long term.

Asset allocation and diversification do not guarantee a profit nor protect against loss.

Whether it’s providing income for a spouse, educating your grandchildren or leaving money to your favorite charity, proper estate planning can help ensure your assets accumulated over your lifetime are preserved for the use you have intended.

A well-designed estate plan can effectively help mitigate your family’s tax burden. We can offer financial strategies designed to efficiently manage the transfer of wealth from one generation to the next, and mitigate related tax issues.

By coordinating our efforts with your tax and legal professionals and working closely with you and your family, we will strive to help you establish a financial tradition that can be passed on for generations.

If you’ve changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent solution. It is a non-taxable event when done properly – and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location.

In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork.

In addition to rolling over your 401(k) to an IRA, there are other options. Here is a brief look at all your options. For additional information and what is suitable for your particular situation, please consult us.

  • Leave money in your former employer’s plan, if permitted Pro: May like the investments offered in the plan and may not have a fee for leaving it in the plan. Not a taxable event.
  • Roll over the assets to your new employer’s plan, if one is available and it is permitted. Pro: Keeping it all together and larger sum of money working for you, not a taxable event Con: Not all employer plans accept rollovers.
  • Roll over to an IRA Pro: Likely more investment options, not a taxable event, consolidating accounts and locations Con: usually fee involved, potential termination fees
  • Cash out the account Con: A taxable event, loss of investing potential. Costly for young individuals under 59 ½; there is a penalty of 10% in addition to income taxes.

You should consider all of your available options and the applicable fees and features of each option before moving your retirement assets.

“Have I saved enough?”

This was the pressing question on Jessica’s mind when she came in to meet with us. Like most, Jessica couldn’t even begin to calculate how much she’d need to save in order to enjoy the retirement she, at that point, couldn’t even imagine. At 50 years old, she’d been saving money in retirement accounts for quite some time, but she still didn’t know how much money she’d need to amass in order to stop working, which is the amount we aimed to provide.

When we met with Jessica to talk about retirement planning, we created a flexible retirement plan to help her form goals and objectives for the future – a vision she’d never fully articulated. As it turns out, Jessica dreamed of a retirement filled with travel – something retirees often do. Once we clearly defined her vision, we were able to calculate an amount necessary to fund her retirement goals, which included a generous travel budget.

We also talked about whether she should continue contributing to a traditional 401(k) or change her payroll deposits to a Roth 401(k). As a result, Jessica now knows how much she’ll need for retirement, has a financial plan that is adaptable to changes in her life, and is comfortable knowing she will receive guidance in the future.

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This is a hypothetical example for illustrative purposes only. Every client's situation is different and individual results will vary. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Prior to making any investment decision, you should consult with your financial advisor about your individual situation.