Our 5-Step Approach to Retirement Planning & Wealth Management:

Step 1: Income Planning for Retirement

Retirement Cash-Flow:

The Key to Stress-Free Retirement

To begin your retirement planning, we’ll evaluate your current income situation and expenses to ensure they are sustainable for your life.

Next, we’ll make sure we've maximized your Social Security, looked into your pension options and decisions, planned for premature death of a spouse, inflation, and other considerations that are critical for your income plan.

Additionally, we'll advise on how to position your investments to generate the additional retirement income you need to live the life you want to live in retirement.

Step 2: Investment & Volatility Planning

Depending on your risk tolerance and risk capacity, we’ll create portfolios that are customized to your overall financial goals.

Being fiduciaries and independent Investment Adviser Representatives, we are not tied in with large “wirehouse” institutions, which means we can offer a universe of funds and equities to create cost-efficient and high-quality portfolios.

In addition to securities-based portfolios, we can also offer products & services in the life & annuity worlds to our clients, when appropriate.

We Build Your Investment Strategy Using Riskalyze:

Riskalyze is cutting edge technology that identifies your acceptable levels of risk and reward. Using this tool, we ensure that your portfolio defines your investment goals and expectations. Together we can take the guesswork out of your financial future.

Step 1: Capture Your Risk Number

The first step is to answer a 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains.

Then we’ll pinpoint your exact Risk Number to guide our decision making process.

Step 2: Align Your Portfolio to Risk Level

After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes.

The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.

Our Process Takes Us Through Four Basic Risk-Related Questions:

Step 3: Tax Planning & Roth / IUL Conversions

The main goal of our tax planning is to generate more tax diversification. This means we’ll assess your current tax liability — whether it's income taxes, capital gain taxes or estate taxes — and develop strategies to minimize the taxes you pay during your retirement, as well as when passing on your wealth to the next generation.

Unless you believe that tax rates will go down in the face of trillion dollar annual deficits & the massive National Debt, you need a tax plan.

We consider Roth conversions as well as IUL conversions, analyzing the efficacy of each strategy for our clients to achieve the optimal tax positioning for retirement.

Tax Efficient Distribution Strategies:

You spent years building your nest egg, investing in brokerage accounts for one K's and Roth accounts. Now that you've retired, which account should you withdraw money from first? If your withdrawals, bump you into a higher tax bracket. You might have to pay taxes on your hard earned money.

It might sound complicated, but there's a clear solution. Tax efficient, customized distribution strategies that will protect your money. Together, we'll create a smart strategy that coordinates withdrawals between taxable tax deferred and Roth accounts so you can keep more of the money you worked hard to save.

Learn more about what a tax efficient distribution strategy can do for your financial future. Don't wait. Reach out to us today.

Watch The Power of Zero: The Tax Train is Coming:

We encourage you to watch this debt, tax & spending documentary, called "The Power of Zero: The Tax Train is Coming." It focuses on the debt & tax issues facing our country which we all should be preparing for, sooner rather than later.

Step 4: Healthcare & Long-Term Care Planning for Retirement

Understanding the health care system can be overwhelming. Whether you are trying to retire before Medicare, on Medicare, or concerned about the high costs of long-term care, we take the time to ensure you know your options, and create a plan that matches your health and budget.

As both Board Certified Elder Law Attorneys as well as fiduciary financial advisors, we bring solutions from both the asset protection & estate planning worlds together with the financial & insurance worlds to devise the best plan of attack to cover these retirement risks for our clients.

Step 5: Legacy Planning For Your Beneficiaries

As both Board Certified Elder Law Attorneys and experts in estate planning, as well as fiduciary financial advisors, we can help maximize the amount your loved ones will inherit, help control how the money is to be given and minimize the taxes that are paid.

Additionally, many clients desire to avoid the  "shirtsleeves to shirtsleeves in three generations" syndrome, which describes the inability of children / grandchildren to manage the wealth passed down to them from the previous generation(s) and ending up broke in three generations.

With proper planning you can provide your family a lasting legacy that will last.