Income Planning

The foundation of a solid retirement lies in the security of knowing it’s funded by reliable and predictable income. We’ll start with determining how much you need and then structure a customized plan to get you there.

Our goal is to create an income plan that allows you the freedom and fulfillment you’ve envisioned for your retirement. This includes a variety of tools, such as:

• Annuities
• IRA/401(k) Rollovers
• Income & Expense Analysis
• Social Security Maximization
• Inflation Plan
• Spousal Plan
• Comprehensive Institutional Money Management

Retirement Planning

True independence is gained by growing your money through your current positions. But are your positions right for you? We’ll analyze your portfolio to uncover potential vulnerabilities and devise a plan to help reduce risk in your holdings. This typically includes:

• Assessing your risk tolerance.
• Adjusting your portfolio to reduce fees.
• Volatility control.
• Evaluating ways to reduce risk while still working toward your goals.
• Longevity protection.

Tax Planning

Creating financial independence in retirement starts with protecting your assets. That protection doesn’t just involve reducing risk; it also requires a strategy for potentially minimizing how much you pay in taxes.

We’ll look at the taxable nature of your current holdings, suggest ways to include tax-deferred or tax-free money in your financial plan, and build a tax-efficient distribution strategy to help maximize your retirement income.

Healthcare Planning

How much will health care cost throughout your retirement? Rising costs and unexpected health issues can wreak havoc on your plan. We’ll help you identify potential healthcare concerns and how to be financially prepared to cover them. Your healthcare plan may include:

• Components of Medicare
• Long-Term Care
• Life Insurance

Legacy Planning

Many of us hope to leave behind a legacy of generosity. We’ll work with qualified professionals to create a plan designed to pass your hard-earned assets to your beneficiaries in the most tax-efficient manner. Components of your legacy plan could include:

• Maximizing your estate and income tax planning opportunities.
• Protecting any assets in trust and ensuring they are distributed to your beneficiaries probate-free.
• Preventing your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death.