Financial & Retirement Planning

We are committed to helping you turn your financial dreams into reality. Our process is designed to provide you with a strategy that connects your present financial situation to your future goals so you can rest easy knowing you are on track.

Explore our Process

Explore our Planning Programs

We look forward to partnering with you to help you realize your dreams by taking control of your finances with confidence.

Investment Management

You and your family work hard to accumulate assets over a lifetime. The goal is that, when the time comes for you to leverage those assets, they’ll be there so you have the freedom to enjoy life.

Investment management, aka asset management, is about helping you achieve your goals using a prudent and conscientious approach. However, not everyone has the time to monitor and manage those assets. And even if you do have the time, you may not have the desire or patience to do so.

If you don't manage your assets diligently over your accumulation phase, you could leave them exposed to erosion, destruction or depletion. The result: You might not have those assets (or a significant portion of them) in times of need. We're here to help.

Business Retirement Plans

Our team specializes in designing, implementing and managing retirement plans for businesses of all sizes. Whether you're starting a new plan, managing a large one or looking to improve an existing plan, we can help.

We'll work closely with you to design a plan that meets the needs of your business and employees, and take care of all the details. Our team's expertise and experience ensure that your plan runs smoothly and efficiently.

Typical plans we help to implement and manage include:

• 401(k) Plans
• Safe-Harbor 401(k) Plans
• 401(k) Profit Sharing Plans
• Age-Weighted/Comparability Profit Sharing Plans
• Defined Benefit Pensions
• Owner Only/One-Person 401(k) Plans
• Profit Sharing Plans
• Simplified Employee Pensions (SEPs)
• SIMPLE IRAs
• Third-Party Administration (TPA) Partnership

Social Security Analysis

As retirement planning specialists, we help you determine the best time to collect Social Security to provide you with a personalized strategy to help you claim your the maximum benefit you are entitled. As a result, you'll have the peace of mind knowing you recieved the greatest benefit for your situation.

By analyzing your entire financial picture, we are able to help you select the Social Security timing strategy that optimizes your future income. This involves considering how your Social Security benefits will interact with other income such as: pensions, dividends & interest, required minimum distributions (RMDs), rental income, and capital gains. We also factor in family health conditions, spousal benefits, personal preferences, and more.

Learn more about choosing the right Social Security claiming strategy and our team's expertise as Registered Social Security Analysts (RSSA®): Click here.

Tax Planning

Without intentional planning, it’s possible to have a higher tax bill in retirement than as a working professional. Our tax planning services aim to help you keep more of your hard-earned money to use towards your dreams.

Tax planning involves evaluating the following opportunities on a regular basis:

• Tax Return Analysis. Click here to view a sample Tax Return Analysis
• Roth Converstions
• Coordination & Timing of Income Streams (e.g. Pension, Social Security, Required Minimum Distributions, etc.)
• Asset Location
• Charitable Giving Strategies

We stay up-to-date with the dynamic nature of tax laws to ensure you are take advantage of every opportunity.

Estate Planning

With a financial plan in place, we will help you connect this stage of your life with the next. We work with you and your team of advisors to help you piece together a cohesive and comprehensive plan.

If needed, we can help quarterback the creation of your estate planning so your wealth and legacy transfer the way you want them to.

Insurance Planning

Your financial plan can be quickly derailed without the proper insurance coverage. Insurance planning involves identifying solutions that protect what you value the most.

We perform a comprehensive insurance analysis to ensure you have the policies you need. We can also help you safely unwind insurance policies that don’t provide you value.

The most common insurance policies that we evaluate include:

• Life Insurance
• Long Term Care Insurance - One of the largest spending shocks facing a retired household is the need to pay for ongoing long-term care. A retirement plan must account for this risk to help control the impacts of long-term care costs on family wealth.
• Medicare - This is the most important source of health insurance for retirees, and it requires numerous decisions regarding whether to use Original Medicare or a Medicare Advantage Plan, whether to use a Medicare Supplement with Original Medicare, and how to obtain prescription drug coverage.
• Auto & Home Insurance
• Health Insurance
• Umbrella Insurance
• Disability Insurance
• Identity Theft Protection