Whether you’re five years away from retirement or 20 years away from retirement, we can help guide you through the steps to secure assets for your retirement lifestyle. Evaluating your current financial situation, we’ll identify income sources and potential opportunities that may be advantageous for you as you prepare for your life past employment.
Reviewing
| Your investment strategy and helping you invest your wealth so it that aligns with your objectives. Through in-person meetings and face-to-face interactions, we work with you and review your current needs and your current holdings. We ask appropriate questions to help you receive the answers you need. |
Optimizing
| Social Security | Using age, life expectancy, and cash flow needs we help both individuals and couples maximize their social security benefits |
| Lump Sum Pension | How good or bad is the lump sum offer? When do I break even, what is the guaranteed return? And the risk associated with the offer |
| Retirement Capital Analysis | Using 10,000 Monte Carlo Simulations of market conditions and inflation we help you understand the likelihood of your savings lasting through retirement. |
| Long-Term Care | What would it cost if I had a long-term stay? What would it cost to insure against risk? Both the cost of care and cost of insurance may play a big role in cash flow planning in retirement. |
| Debt Payoff | Should I pay off my primary residence mortgage? How should I manage rental real estate? In retirement, we believe, it is important to optimize tax liability and cash flow needs associated with debt |
| Asset Allocation/ Portfolio Optimization | Asset allocation is not a “one size fits all” topic. We find that many people nearing retirement are focused on decreasing their risk to help preserve capital. Risk tolerance and cash flow needs typically drive the asset allocation of a portfolio going into retirement. We look at both risk willingness and risk ability to form an appropriate allocation leading up and into retirement. |
| Spousal Pension | This is an irrevocable decision that requires careful planning before signing the dotted line. |
Managing and Following
| Strategies to help maximize the outcome of your retirement plan |
| Actionable strategies with the goal of reducing debt |
| Strategies to maximize cash flow |
| Long-term tax strategies (i.e roth conversions) for consideration |
eMoney
eMoney is your personalized gateway to real-time, on-demand spending and budgeting tools to help you track your progress towards your financial goals. |
