ENJOY RETIREMENT with financial confidence

While careful planning is important when starting your financial journey, it is critical to approach retirement with a “measure twice, cut once” mentality. There are many things that are outside of retirees’ control, including life expectancy, health and family dynamics, so they need a financial partner that is both experienced and agile. We have had the privilege to guide dozens of families into and through retirement, so we know what to expect and how to prepare.

Working together, we talk about your retirement needs, wants and wishes, and assess the likelihood of reaching these objectives on your current trajectory. If you have to make tradeoffs, we help you there, too, showing you how small compromises might make a big impact over the long term. We also talk about the things that concern you, and solutions that can help alleviate those concerns. As your lifestyle changes, we update your financial plan to keep you moving in the direction you want to go.

We also strive to ensure that your wealth passes in the most efficient way to your heirs and philanthropic endeavors through estate and legacy planning. As your focus shifts to what will happen when you’re gone, we hope to instill confidence that your family will be taken care of in an orderly, attentive fashion.

Our services include:

  • Retirement Income Planning
  • Social Security Optimization
  • Long-term Care Solutions
  • Estate and Legacy Planning
  • Tax Planning
  • Distribution Strategies
  • Healthcare Planning


An example of how we can help

Tim and Laura had been our clients for many years. Now in their 70s, they were enjoying a comfortable retirement and spending time with their beloved children and grandchildren.

A hypothetical synopsis of how we may help

During an audit of their insurance policies, we discovered that they had outgrown their need for life insurance. In our assessment of longevity risks, we discussed the need for long-term care insurance. After careful analysis, they took our recommendation to convert the current life policy to a hybrid policy with long-term care benefits.

We structured their investment accounts to provide a growing, tax-advantaged income stream to supplement their Social Security and pension income.
After a sudden and debilitating decline in his health, Tim was in need of significant medical care. We assisted Laura to coordinate with the insurance company as well as the care providers to reimburse them for the 24-hour nursing care in their home.

Laura was understandably overwhelmed by her new role as caregiver while also having to manage the household finances. To ease her burden, we helped streamline their cash flows and obtained a new credit card just for healthcare reimbursements.

After a family meeting that included their children and attorney, we retitled several accounts to mitigate such risks as cognitive decline and elder abuse.

Unfortunately, Tim passed away the following year. Working with Laura and her children, we worked through the details on our survivor checklist. Tim had several small life insurance policies, and we assisted in filing the claims and eventually investing the proceeds.

After a couple of years, Laura shared with us her desire to move to an assisted living facility. We coached her through the process of selling the family home, moving in to her new residence and redirecting dividends from the portfolio to cover part of the costs. Laura wanted to get the children more involved, so using the necessary power of attorney agreements, we helped ensure they were aware of all relevant details.

This investment profile is hypothetical and not indicative of any specific situations or clients. It is presented only as an example and not intended as investment advice.