Sound guidance for those nearing or living in retirement

We find that the majority of people approaching retirement haven’t done the necessary calculations to see if they have enough to retire and know if their money will last their lifetimes. As a result, they are often burdened by fear, doubt and uncertainty. Our first order of business is bringing clarity by making these essential calculations. In so doing, we can help you to know the answers to these key questions, while also addressing the amount of risk you need to take and the asset allocations you should be considering.

Of course, the planning doesn’t end on the day you retire. Because people are living longer today, the possibility of going 30 years without a paycheck requires disciplined investing.

Your goals include making your money last, creating sustainable income throughout retirement and maintaining your standard of living. To this end, there are many things we do. One is to tailor a plan designed to preserve your wealth and soften the impact of market risk, taxes and inflation. The second is to have a withdrawal strategy that balances your need for monthly income with the preservation of your principal.

We will help you manage your required minimum distributions from your retirement plans after you reach age 70½ and review important matters such as Social Security and Medicare. In addition, we’ll collaborate with your attorney and insurance professional in considering important matters such as the potential need for estate planning, and the protection provided by life insurance and long-term care insurance.

You’ve worked hard all your life to arrive at this significant stage of your life. Our goal is to help you enjoy it.


There is no assurance that any investment strategy will be successful. Investing involves risk including a possible loss of capital. Asset allocation and diversification do not ensure a profit or protect against a loss.

The great thing in this world is not so much where you stand, as in what direction you are moving.

– Oliver Wendell Holmes

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