Retirement remains the largest and most pressing area of focus when planning and saving money. People often wonder how much money they will need and how their retirement years will look. We help to answer those questions.
Though clients come to us from all walks of life, many start to work with us within 5-10 years of their target retirement date, or as they retire. The primary focus of our firm is helping clients to retire and managing their investments to provide income throughout their retirement years. We have numerous clients who have relied on us on to provide that income and guidance for over 30 years. Through up and down markets, the strategies we use have proven effective at ensuring our clients maintain their desired income and control of their money. To use a simple analogy: we care for the tree so that our clients can enjoy the fruit.
As our clients approach retirement, we analyze their complete situation – reviewing their savings and investments, pension options, Social Security scenarios and more. Each person’s situation is unique and the decisions that are made can have a large and lasting impact on everything from their income amount and tax liability, to the financial legacy they leave behind. Every retirement plan we develop is reviewed by multiple members of our team to ensure no details are missed and every pertinent area is addressed.
The financial planning and investment management industry has traditionally focused on acquiring and building clients assets, not dispersing income. The strategies that are utilized to effectively generate lasting retirement income and navigate the complexities of changing tax situations are materially different – they require an adviser who has that specialized experience and expertise. If you are nearing retirement and would like an independent assessment, please contact us.
President Obama recently signed the Bipartisan Budget Act of 2015 into law. Among other things, this two-year budget deal contains several provisions designed to close perceived loopholes in social security claiming strategies. Those most likely to be affected by this legislation are individuals who have yet to claim their benefits and who planned to employ […]
The achievement of wealth does not happen by accident. You don’t have to be wealthy to have a secure financial future. Like anything, it comes with hard work, attention to detail, discipline and the execution of a thoughtful plan. Many start out by trying to do it on their own, but as they begin to […]
The retirement landscape is changing. Seniors represent a larger percentage of the population than they ever have before and that figure will continue to rise. Not only are population trends changing, how seniors and retirees spend their time, priorities and dollars will also greatly change in the coming years. With this shift in senior population […]