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Retirement Planning

Retirement planning starts with defining what you believe is a successful retirement. The next step is to gather information on your current plan to complete a total retirement review. This review will tell us about your current plan and how successful that plan may be. From there, we work alongside you to develop a custom retirement plan that works for your situation.

While looking at your current sources of income and estimating your future expenses, we also take into account unexpected scenarios:

  • What happens if you (or your spouse) require extended medical care?
  • How will your retirement income be affected if you outlive your spouse?
  • How might changing tax structures affect your retirement?

Income Planning

The cornerstone of your income is usually from a predictable source. Savings and investments should be included to provide multiple streams of income through life. We use a detailed process that looks at your streams of income to serve as a roadmap to guide your financial future.

Wealth Accumulation

No matter when you begin to accumulate wealth, a successful plan to continue growing your wealth will require:

  • A consistent approach
  • A long-term investment strategy
  • A commitment to seeing that strategy through
  • An understanding of your tolerance for risk

We will guide you through these steps and use a variety of methods and products specifically chosen to meet your accumulation goals.

Asset Protection

We believe in the three P’s when it comes to asset protection:

  • Protection
    Protecting accumulated assets is a major portion of a good financial plan. Not losing ground can enhance your comfort level in retirement.
  • Participation
    Participating in market growth is essential to the health of any
    financial plan.
  • Predictable Income
    Generating an income in retirement is vastly different from generating an income in most of your working life. Understanding how to produce a consistent, predictable, and increasing income throughout your life requires a shift in financial planning.

Tactical Portfolio Management

We use responsive investment management to meet your needs and the conditions of the markets. Tactical management is an investment style in which your portfolio is actively balanced and adjusted with the intention of maximizing portfolio returns and minimizing risk.

IRA & 401(k) Rollovers

Proper management of your qualified retirement accounts can be crucial to a successful retirement. Knowing when to roll over an existing 401(k), when to convert to a Roth, and even how to disperse income in retirement are all items we can assist you with.