At our practice
you are the focus


Before we talk about money, investments, financial plans or anything else in our business, we start with learning about the most important part of our business, and that’s you. It’s because all the other elements have no relevance unless they can be thoughtfully applied to your needs and your unique situation.

Through the years, we’ve found that simple conversation is one of the most effective tools when it comes to retirement planning, guidance and advice. That’s because whether you’re approaching retirement or already enjoying it, you probably have questions. And it’s by listening to your questions we’re able to learn how to apply our years of experience and expertise to provide appropriate solutions.

To take thoughts and ideas about retirement beyond the realm of conversation, we use financial planning software from Raymond James called Goal Planning & Monitoring to create an easy-to-understand visual representation of a person’s complete financial life. It also enables us to look at different economic, investment and life scenarios unique to you. It’s a powerful tool designed to further enhance the retirement conversation and to aid in the decision process. To learn more about how it works, click here.

In all, we work hard to create a truly collaborative financial planning process – where retirement questions are answered and trusting client relationships are built.

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The projections or other information generated by Goal Planning & Monitoring regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Goal Planning & Monitoring results may vary with each use and over time.

“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.

What’s your question?

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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.