Planning for Life’s

Evolving Journey

Bringing Clarity to Your Retirement

There are many transitions in life, but none quite as significant as retirement. You’ve spent your career working hard and investing for this day – and now it’s time to put your money to work for you and the retirement you’ve envisioned.

The sudden realization that your assets now have to last a lifetime is certainly enough to give you pause. After all, people are living longer today and the possibility of going 30 years without working takes careful planning and disciplined investing.

Maintaining your standard of living, providing for your family, generating income with minimal tax consequences, and safeguarding your wealth against unexpected events are the concerns that now take center stage. This includes having a sustainable withdrawal strategy to strike a careful balance between your need for monthly income and your desire to make your money last your lifetime.

Preparation is vital and planning is key. Fortunately, we’re here to help you have a sound financial plan designed to preserve your wealth and mitigate the impact of market risk, taxes and inflation. While many advisors focus solely on asset accumulation, we devote time to discussing important topics such as asset distribution and asset preservation, as well as income generation.

We will help you differentiate your essential living expenses from aspirational lifestyle expenses, manage your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments.

We’ll use sophisticated Goal Planning & Monitoring software from Raymond James to assess appropriate asset allocation targets, spending or savings rates, and the probability of achieving those goals in each hypothetical scenario we test – and then share the results with you.

We’ll address important issues such as maximizing Social Security benefits, being prepared for healthcare expenses, and having an estate plan. Plus, we’ll collaborate with your legal and insurance professionals on important matters such as having a plan for your estate, and having the protection provided by life insurance and long-term care insurance. Our goal is to help make your retirement the enjoyable experience it can be.