We use the best tools and products to construct your comprehensive financial and retirement plan. 

Financial and Wealth Planning

Once we know your retirement goals, and we know the current state of your finances, we can make recommendations and create a plan for you. There are usually many paths to reaching your goal. We can help you discover the pros and cons of each to develop a comprehensive wealth management plan.

Retirement Income Planning

We believe an enjoyable and lasting retirement is dependent on having stable retirement income. After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you won’t outlive—one that maximizes the value of your assets to protect your family and one that preserves your legacy for your beneficiaries.

Social Security Maximization

Choosing when and how to draw on your Social Security can be a tough decision. A number of factors, including your marriage status, can impact your options. We can help you navigate the possibilities and maximize your Social Security income, so you get the most from your hard-earned benefits.

Workplace Benefits and Defined Benefit Pensions 

Workplace benefits can be complicated. It can be difficult to know how your benefits and defined benefit pension will align with your other assets and Social Security in retirement. We have experience looking at all the angles and can help make sure all income streams work together to support your goals. 

Insurance

People often talk about insurance as “protection,” but it’s really a form of risk mitigation. It ensures that, no matter what twists and turns come with life, clients have a safety net in place. Nothing can completely protect you from risk, but insurance can help. Whether it’s life insurance, long-term care insurance or an annuity --- insurance can provide resources when most needed. 

Tax Minimization Strategies

Benjamin Franklin famously quipped that that nothing in this world is certain except for taxes and death. We can’t make your tax bill disappear, but we can review your assets and see if strategies to reduce taxes would apply to your unique financial and retirement situation. Every dollar saved today can work for you in retirement.

Legacy Planning

Legacy planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life’s successes with others while also leaving a legacy for those you love.

College Planning

We help clients avoid ‘raiding’ their retirement accounts by showing them how to pay for college. We work with each family to create a realistic plan to pay for college in the most effective and tax-efficient way possible for all their children, without taking unnecessary risks. This without sacrificing other important financial goals, such as retirement.