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 the income sources and 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 in the products that align with your objectives. Through in person meeting and face to face interactions we work with you and review your current needs and your current holdings. We ask the right questions so that you can get the right answers. |
Optimizing
| Social Security | Using age, life expectancy, and cash flow needs we help both individuals and couples find the optimal starting year for 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 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 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. Many people nearing retirement are focused on decreasing their risk to preserve capital. Risk tolerance and cash flow needs drive the asset allocation of a portfolio going into retirement. We look at both risk willingness and risk ability to form a proper allocation leading up and into retirement. When looking at allocation we look at an entire financial portfolio including and liquid and non-liquid assets (such as real estate). |
| Spousal Pension | At retirement you must select the best lifetime annuity benefit for your spouse. This is an irrevocable decision that requires careful planning before signing the dotted line. |
Managing and Following
| Ways to significantly impact the outcome to your retirement plan |
| Actionable strategies to reduce debt |
| Ways to increase cash flow |
| Useful long-term tax strategies (i.e roth conversions) |
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. |
