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Your Retirement Questions Answered

Get answers customized to your unique situation. Here are some of the many questions we can answer.

  • How will I know if my money will last?
  • When should I elect Social Security?
  • When and how do I take required minimum distributions?
  • How will I pay for health care in retirement?
  • When is the right time to take from my Roth IRA, 401(k) or other accounts?
  • How do I pay for extended-care expenses?
  • How do I avoid probate?
  • How do I leverage my home as an asset?
  • What do I do when I inherit money?
  • How do I do a Medicaid spenddown?
  • How do I lower my tax bill?
  • How will inflation affect my retirement?
  • How do I make sure my children get an inheritance?
  • Should I get a second opinion on my retirement plan?
  • What happens if Social Security runs out of money?
  • How do I avoid the market rollercoaster?
  • Should I keep working or work part-time?
  • How do I pay off my student loans faster?
  • Can I afford a house?
  • How can I pay off my credit card debt?
  • How do I increase my credit score?

Navigate the complex decisions of financial planning with less stress, more confidence and better outcomes.

Planning can be complex, but it shouldn’t be overwhelming. Need help with one piece, several parts or all of it? We can help.

Income in retirement
Where will your money come from in retirement? How do you make sure you don’t outlive your money? Create a reliable income stream, by maximizing your Social Security benefits and carefully planning when to tap other sources such as 401(k)s, IRAs, CDs or annuities.


Taxes
How do you make sure your income in retirement doesn’t get eaten up by taxes? Because income sources are taxed differently, strategizing your withdrawals is necessary to avoid tax pitfalls, such as being taxed at a higher rate.


Health care, Medicare and extended-care costs
Health care is one of the largest expenses in retirement. Extended care — when you need help performing everyday activities such as bathing, feeding, or taking medications — is not considered medical care, so Medicare and supplemental Medicare insurance plans don’t cover these expenses. A sound retirement plan should consider Medicare and extended-care expenses.

 Investments 
Investments such as mutual funds, bonds and alternative investments can play a big role in meeting your expenses and lifestyle in retirement. Having a healthy mix of asset protection, guarantees, and at-risk dollars may help you achieve your goals.*

Asset allocation or diversification does not guarantee investment returns and does not eliminate the risk of loss. Financial planning including investment advice and recommendations, if requested, is provided by a securities licensed professional. A separate agreement and related disclosures will be provided if you decide to proceed with an individual professional.


Retirement risks
How do you protect what you’ve built? First, identify risks that could chip away at your retirement plan. These include longevity (outliving your money), inflation, and sequence of return risk (receiving lower returns on your investments when you need to make withdrawals for your retirement income). Your Financial Coach can help you understand different strategies to address these risks.


Leaving your mark
Do you want to leave an inheritance to your children? Donate money to a charity? Decide while you’re alive how you want your estate distributed after your death. Failing to plan for your own death may leave your life partner or other loved ones in financial trouble. Plan now for the legacy you want to leave.

Getting Started

Getting Started

Introduction

Risk Tolerance Assessment / Educational Seminars / General Fact-Finding

Discovery (1st meeting)

Everything Starts With Discovery
This is where we learn about your current circumstances and where you want to go.

Strategy (2nd meeting)

Custom Financial Plan
A detailed financial plan showing where you are today and a roadmap to get you where you want to be. Recommendations for retirement timelines, Social Security timing, savings plans and specific insurance and investment recommendations.

Financial planning including investment advice and recommendations, if requested, is provided by a securities licensed professional. A separate agreement and related disclosures will be provided if you decide to proceed with an individual professional.

Commitment (3rd meeting)

YOU decide if we are a good fit.


Client Engagement Process

Process

Implement

Execution of strategy recommendation, opening accounts, transferring assets, purchasing insurance as needed to best meet your specific needs.

Monitor

Ongoing monitoring of the markets, interest rates, inflation, political risks, and global geo-political risks. Rebalancing or recommendations communicated as needed.

Financial planning including investment advice and recommendations, if requested, is provided by a securities licensed professional. A separate agreement and related disclosures will be provided if you decide to proceed with an individual professional.

Review

Annual Progress Review/Full Financial Checkup including: personal updates, financial plan review, policy review, employer benefits review, beneficiary review, tax check, and more.

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