PRE-RETIREMENT PLANNING

Can I retire now?  If not now, when?   How much income can I draw?  Will it last?  Will I have the time to do what I want?  What if . . . ?

Whether your retirement is right around the corner or years down the road, these are very common questions.  Our team has answered these questions for hundreds of individuals—just like you.  We will develop a plan to meet your needs, your desires, and your situation.  It’s never too early (or too late) to put a sound financial strategy in place.

POST-RETIREMENT PLANNING

Is your retirement turning out as planned?  Could it be better?  Would you rather be doing the things you enjoy rather than wondering and worrying about your investments? 

Many of our clients were not happy with the direction their original retirement plan was going, so they came to us looking for a better way.  Just as a patient might seek a second opinion regarding a medical issue or diagnosis, many of our valued clients originally came to us seeking our perspective and professional opinion on the existing financial approach they had in place.

With so much at stake, isn’t your financial future worth this second opinion?  We believe you’ve worked far too hard not to enjoy this chapter of life to its fullest, and we encourage you to let us help you do just that!

IRA & 401(K) ROLLOVERS

Whether with a former employer’s retirement plan, in a current 401(k) or sitting in an IRA, your accumulated retirement savings will likely provide a large portion of your monthly retirement income.  It is very important to make sure your accounts have enough security and earning potential to meet your needs.

We know the IRS, custodian and administrator requirements to help ensure 100% of your money is working for you.  We can handle rollovers from many different locations including:  local and national banks and credit unions;  brokerages such as Edward Jones, Merrill Lynch, and Raymond James;  online brokers such as Fidelity, TD Ameritrade, Etrade, National Financial Services, and Pershing;  mutual funds such as Fidelity, Vanguard, Invesco, and Pimco;  employers such as Stryker, Upjohn, Pfizer, Kellogg, Post, schools, local & federal government, and many others.

INCOME MAXIMIZATION

We work to help ensure all your accounts achieve the best performance possible, so that you have the money to do the things you enjoy – traveling, gardening, golfing, hunting, fishing, etc.

A significant investment loss can also have a devastating impact on the amount of income you receive over the course of your lifetime.  A properly structured retirement portfolio, on the other hand, uses proven financial principles to account for and hedge against the ups and downs of the stock market and generate guaranteed retirement income you absolutely cannot outlive.*

*Guarantees subject to the financial strength and claims paying ability of the issuing insurer.

GROWTH STRATEGIES

Effectively growing your money for future needs (retirement income, emergencies, spending, etc.) can be a tremendous challenge.  Many find themselves asking the following questions:

Can I make more without increasing my risk?  Can I take less risk without decreasing my earnings?  What is the best possible allocation strategy given my goals?  Is this particular investment really right for me?  How can I still benefit in today’s volatile market?

It takes a skilled individual to position their cash in such a way where it is continually in growth mode.  One of the most common mistakes Americans make with regard to their finances is a failure to understand the magic and power of compound interest.

TAX PLANNING

Every dollar that goes to Uncle Sam is not only gone, but your ability to earn interest on that money is also gone.  Taxes are the largest single expense you will ever have.  Paying less tax in the current year is what most people focus on but often overlook the tax implications of their future retirement income.  Losing retirement income to taxes will have a significant impact on your future lifestyle.  A good retirement plan will minimize the impact of taxes.

In compliance with IRS regulations, any tax advice contained or attached to this website was not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any matters addressed herein.

ESTATE PLANNING

Though the term may seem complex, estate planning is simple (while you’re still alive).  Determining where your assets should go after you die and making sure those beneficiaries receive as much as possible with as little effort as possible.  One of the key components to estate planning is Life Insurance.  Watch this short video to see how you and your family can benefit from Life Insurance:

Our team can review your estate planning goals with you.  We work with you and with our experienced estate planning attorneys to create a custom fit plan that meets your needs.

SOCIAL SECURITY

There are many ways one can claim their Social Security benefits, and once the decision is made, it is irrevocable after the first 12 months.  This election of benefits is a very important decision that needs to be made strategically and in conjunction with a retirement income plan.  Most Americans unknowingly accept a decreased Social Security benefit because of improper planning.  We can help you understand and optimize the complex Social Security options.