Helping You Achieve the Retirement You Deserve
RETIREMENT INCOME PLANNING
The most important financial step you can take in retirement is replacing your earned income. When you have guaranteed income that covers your monthly expenses, you will be well prepared to prevent yourself from running out of money in retirement.
TAX PLANNING
Taxation can be your greatest expense if not planned for properly. As you prepare your annual tax return, you have limited options to decrease your tax liability. We plan for your future by proactively educating you on taxation and how it will affect each phase of your financial life. We believe retirees are the most unfairly taxed group of taxpayers and that your taxable income should work for you, not against you, in creating large tax bills.
INVESTMENT PLANNING
During your working years, you sacrifice to save for your future, take financial risks for growth potential and work hard to maximize the accumulation phase of your financial life. As you near retirement, your risks will evolve and change as you transform into the preservation and distribution phase of your financial life. We specialize in assisting you to preserve your hard-earned assets and navigate this new phase of your financial life.
LIFE INSURANCE PLANNING
The entire world of life insurance has changed and is no longer solely focused on the end of life. Plans now have living benefits available to you to save on taxes, pay for long-term care expenses, and keep your money in your family. We evaluate what is important to you and design plans that meet your needs.
HEALTHCARE PLANNING
Longevity continues to increase, resulting in longer retirement years as we live longer. Since most retirees will need some form of long-term care, we evaluate your ability to self-insure that care or move that risk to an insurance company for protection.
ESTATE / LEGACY PLANNING
We believe your legacy is worth more than probate, court costs, and attorney fees due to lack of planning. We will help review your beneficiaries and provide guidance on your estate and legacy planning so that Uncle Sam and the courts are not your largest beneficiary. An ounce of prevention is worth a pound of cure. This statement applies perfectly when estate planning is involved. We work with you and a small group of estate planning attorneys to provide the protection you need.
SOCIAL SECURITY MAXIMIZATION
In your working years, you contribute to Social Security in hopes that it provides benefits when you retire. However, navigating the hundreds of ways to claim your and your spouse’s Social Security benefits is complicated and can be a full-time job. We guide you through your claiming strategies and help you successfully receive your largest eligible benefits. If widowed or divorced, special claiming strategies exist as well. We simplify the process by focusing on your specific earnings history and providing the best options.
TAX PREPARATION
Tax preparers are historians, simply reporting the past. Our service changes that role as we develop ways to structure your future tax life to minimize taxes in retirement as we work with you to prepare your return. Paying taxes while earning income may be burdensome, but paying them when the paychecks stop can be painful.
EDUCATIONAL WORKSHOPS
We believe proper education is paramount in order to be best prepared for your financial future and retirement. We teach a variety of educational courses to help prepare you for a successful retirement. Please see our events tab to learn more and attend our upcoming events.
Discover the 5 Steps to Retirement
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