Active Families
You are now learning that planning is more critical than ever. Responsibilities and financial commitments are at an all-time high and your family depends on you.
We help Families answers questions such as:
- How do we balance our current financial needs with future needs such as college planning and retirement planning?
- What is an appropriate amount of emergency funds for our stage in life? Where should I place my emergency funds?
- How do we protect our standard of living in case of premature death or disability?
- How much life insurance do we need to protect our financial goals?
- Should we have a Will, Power of Attorney, and Medical Directives?
- Am I taking advantage of employer benefits?
- How much risk should I be taking with my investments?
We will guide you every step of the way to give you the knowledge, confidence, and wisdom you need to make sound financial decisions.
Pre-Retirees
Retirement is approaching.
You have worked hard for many years and the biggest question in the back of your mind is, “Will I ever be able to retire?”
Additionally, “What will retirement look like based on my current assets and savings rate?”
Transitioning into retirement is not easy. You need to have a plan to financially meet your future needs for many years to come. You may be in retirement for 20 to 30 plus years.
We can help you paint a picture. We can conservatively approximate how much money in retirement you can safely spend without outliving your savings and investments. We can also help you figure out how much more to save before taking the plunge into retirement.
We will help you answer questions such as:
- How much money do I need to save and invest to meet my future retirement needs?
- When can I retire? What impact will retiring a few years early have on my retirement goals? What if I wait a few years?
- The market makes me nervous. Am I taking too much risk or investing too conservative?
- Should we consider long-term care insurance? What are the benefits and drawbacks?
- What role will my real estate properties play on future cash flow needs?
- I just received an inheritance. Do I need to modify my plans?
- How do I reduce taxes?
- When should I start collecting Social Security benefits? 62, 65 or 67 years of age. Will my Social Security benefits be taxed?
We will guide you every step of the way to give you the knowledge, confidence and wisdom you need to make sound financial decisions.
Retirees
Life is good. You worked hard and now enjoying the fruits of your labor. Our goal is to ensure that your retirement years go as planned. As you well know, life is still full of surprises and you need to be ready.
We help retirees answer questions such as:
- At our current spending rate, will we run out of money?
- What financial considerations do we need to keep in mind? Are we still in good financial shape to keep our current standard of living?
- Should we consider long-term care insurance? What are the benefits and drawbacks?
- How do we slowly transfer our wealth to our children, grandchildren and loved ones? Any tax benefits?
- We want to relocate to be closer to family? What steps do we need to take?
- What are my Required Minimum Distributions (RMD) in regards to IRA’s? Best strategy to limit tax consequences?
We will guide every step of the way to give you the knowledge, confidence and wisdom you need to make sound financial decisions.
Inheritors
We help people who are about to receive an inheritance understand how best to deal with the money and assets. It’s often an emotional experience and many people need time to think about their options, rather than have a single suggested plan. There is nothing wrong with letting your inheritance sit for awhile as you grieve.
With proper guidance and multiple options we’ll work with you to create a plan that puts the inherited money to the best use for your future goals, and those of your family.