Most important - Creating a Plan

What keeps you up at night?

If you’re like most people, you’ve probably had more than a few restless nights thinking about the time when you are no longer able or no longer want to work.

You may have asked yourself questions such as:

What will happen to my standard of living once I no longer have a paycheck? Am I likely to run out of money in retirement?
When is the best age to start taking Social Security, and what will happen if I choose the wrong age?
If I die prematurely, what will happen to the ones who depend on me as the breadwinner?
How can I maximize the money I am getting from my pension?
What if I suffer a chronic illness or debilitating injury that requires long term care? How can I avoid becoming a burden to my loved ones?
How can I achieve true financial peace and create streams of income that I can’t outlive?

These are just a few of the questions that keep people nearing retirement awake at night. After all, life changes dramatically when one leaves the workforce. There are many aspects to retirement to consider.

Planning for retirement without assistance from an experienced, trusted advisor is like trying to build a home without a blueprint or the right tools. It’s a hit or miss endeavor that could cause you to make mistakes with your money from which you will never have enough time to recover.

We are sure you’ll agree that financial peace in retirement is only achieved using a strategic approach. Anyone considering retirement needs a balanced, sound blueprint that answers all of the most obvious questions, as well as the more subtle ones.

No financial blueprint can anticipate every scenario. You must understand the impact the financial decisions you are making RIGHT NOW will have on the rest of your life.

We are seasoned, empathetic planners who can get you on track for a successful and prosperous life after work. By asking the right questions, but even more importantly, by listening, we help you discover your right relationship to money and achieve your financial goals. We work hard to uncover areas of weakness that could potentially derail your plans and create stress.

Our unique and thorough planning process gives you the ability to see your financial picture, both now and in the future. We pride ourselves in taking the time to listen and to understand every client’s concerns.

Saving for Retirement vs. Creating Income Streams in Retirement

Our whole lives we learn to save for retirement, but it takes a very different mindset to begin spending down your hard-earned assets, and creating a strategic income plan for yourself in retirement.

That's what makes us different.

There are many wonderful investment brokers, and financial planners who help you save and invest successful, we are experts at helping you create a distribution plan.

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Protect What You Have Earned

The Best Offense is A Good Defense

Maybe you've managed to do a great job at planning and accumulating the money and assets you need to retire successfully.

Congratulations! That's a very commendable accomplishment.

However, contrary to what most conventional planners might tell you, just because you're no longer working does not mean you don't want your money to continue to grow or that it doesn’t require protection.

At this point, it’s time to stop taking unnecessary risks. Asset protection and preservation strategies play an important role in helping you do just that.

After all, it's taken you a lifetime to grow your nest egg. Is there any reason you wouldn't want to protect your wealth and avoid mistakes that could destroy a lifetime of sacrifice and planning?

Our team is well-versed in the concept of asset preservation and protection. We’ll help you build an impenetrable fortress around your money so that it will be there for you when you need it most.

How To Start Taking Distributions

The mindset in retirement is very different from the mindset it took to get there

The majority of financial advisors today are fantastic when it comes to leading their clients up the mountain.

However, once they get those clients to the summit (ready to retire) , these advisors may lack the unique skills and mindsets necessary to get them back DOWN.

A tricky descent happens because most planners focus entirely on the accumulation phase. A typical planner isn't trained to help clients discover the right ways to distribute their money once they’ve retired.

This inability to get off the mountain is an unfortunate situation, especially since the distribution of accumulated wealth is probably the most critical component of a sound retirement plan.

A typical American spends thirty or more years retired, so every dollar is essential. Incorrectly spending your nest egg will mean that you might outlive your money with no way to earn more.

Retirement income and retirement "insurance" are both necessary considerations when planning your financial future.

Our team understands the many mistakes that can occur during this phase. We design retirement income plans that make distribution more manageable and give you greater peace of mind.

How will fees, market losses, and inflation impact your retirement?

There are a variety of strategies that can help you protect yourself against rising inflation, unpredictable market conditions, and high fee environments - helping ensure that your retirement is predictable, secured, and stress-free.