Whether you’re in need of individual financial counsel or robust institutional strategies, we’ve built our business to address the varied needs of our diverse clientele. Our smallest and largest clients deserve our full attention, and we deliver that attentiveness with guidance that’s tailored to your unique challenges and objectives. We take the time to get to know your values and long-term goals, carefully crafting plans that support the future you’re working toward.

  • Financial Transition Plan 1

    Investing for Retirement-Income for my confidence so I can relax and enjoy looking forward to retiring

    • Do I have enough savings? If not, how much do I need to add?
    • How much return must I have on my investments, now and 
      through retirement?
    • When can I go from paychecks from work to income from savings?

    Your first key transition plan for investment success and your financial freedom answers these critical questions because it transitions you from living off of the paychecks you receive from your job to living off of the income you plan to draw from your wealth.

    We call this first plan the Retirement Freedom Analysis.

    To create this plan, we look at your portfolio based on the amount of wealth you have today relative to your stage in life and the income you want. Next, we consider this volatile economy and its potential impact on you. Based on your current situation, your goals and your feelings, we determine if there are any issues in your portfolio that make repositioning appropriate.

  • Financial Transition Plan 2

    Keeping my money together if I need special care so I can stay on track to and through retirement.

    • Can you keep your money together if you need special care?
    • What if you are seriously disabled in your working years?
    • What happens to the people who depend on you if you die?

    Your second key transition plan helps you find the answers to these questions in an effort to keep your money together in the event you need special care or die before you have the wealth to fulfill the first plan. Today’s care costs about $50,000 per year, per person, and is increasing at about 7% per year. If you fail to prepare for these probable needs, you may harm the wealth you are potentially creating in our first financial transition plan.

    What’s the answer? The sooner you take ownership of the risks, the sooner you can help protect yourself.

  • Financial Transition Plan 3

    Passing on my financial success to my loved ones and charities that mean the most to me.

    • How can I give my financial success to the next generation?
    • How do I know that my loved ones will continue to manage their 
      inherited investments with skilled, ongoing professional management?
    • How can I transfer the tax advantages of my retirement plan or IRA to 
      my beneficiaries?

    Your third and final key financial transition plan is to ultimately and tax efficiently transfer as much of your wealth as possible to your loved ones – including the charitable organizations that mean the most to you.

    If you have a large, tax-deferred retirement plan or IRA, let us help you take advantage of the most recent tax law improvements.

    You may think of this as estate planning – but it’s much more than that. You will want your next generation to enjoy the continuity of skilled, ongoing professional management, too.

    Please note, changes in estate planning laws may occur at any time and could have a substantial impact upon each person's situation. While we are familiar with the estate planning provisions of the issues presented herein, as Financial Advisors of RJFS we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Implement these 3 Key Financial Transition plans

In the process of investing for retirement-income for your confidence, these Three Key Financial Transition Plans can help keep you on track to and through retirement.

Where do you stand?

  • Do you currently have these three key financial transition plans in place?
  • How soon can you replace your working paychecks with income from investing?
  • Are you ready for a fresh start? 

Act Now!

Click here to Take the 1st Step by contacting us. Start planning with our Retirement Goal Planning Questionnaire.

Please keep in mind that diversification and asset allocation do not ensure a profit or protect against a loss.