When you're spending in retirement, you are considered to be transitioning into or in the “decumulation phase”. Our planning process provides advice tailored around your stage in life and addresses such topics as:
Understanding required minimum distributions
Planning to live a long time
Creating income to last your lifetime
Adjusting your investment strategy
Having a tax strategy
Planning for a long-term healthcare event
Protecting your legacy
Determining your retirement date
Understanding Social Security claiming strategies
Securing medical insurance
Planning retirement activities
Deciding pension payout options
Understanding company stock tax strategies
Why Get a Plan?
Your money has a job to do. Many people have a collection of investments and not a coordinated plan. The best investment decisions are born out of smart planning. By strategically combining planning and investments you can avoid costly mistakes, maximize your resources and add more money to your bottom line.
Why Hire Us?
When you hire a firm like ours, just as it is when you hire a CPA or an attorney – we are held to a fiduciary standard, which means we are legally obligated to act in our client’s best interests.
All clients get:
An experienced, board CERTIFIED FINANCIAL PLANNER™
A plan that's thoroughly researched and academically-based
Transparent pricing
Comprehensive advice that provides the best opportunity for your success
Investment Services
The best investment decisions are integrated with good planning to achieve your goals. We offer investment management services designed to accomplish the goals and objectives outlined in your plan.
Investment Services Include:
Delivering carefully constructed portfolios aligned with your goals, time horizon and tolerance for risk.
Employing broadly diversified low-cost funds and ETFs.
Locating assets in taxable and tax-deferred accounts to maximize after-tax returns.
Rebalancing your portfolio regularly to its target allocation.
Devising sound spending strategies for portfolio drawdowns.
Behavioral coaching to help you tune out the noise of the markets and adhere to a well-consider financial plan.
GETTING STARTED
All of our services start with a complimentary consult.
