We help you determine if your current actions will allow you to retire when you want, with the lifestyle you desire. In other words, are your retirement goals realistic? We help you formalize your retirement plan, optimize your retirement savings, and create a roadmap to a rewarding retirement future.

The majority of our services are provided on a "fee based" basis.  Occasionally you may choose a particular investment which pays as a commission.  Rest assured, we will fully explain all fees prior to you committing to a solution.    

No. Our practice is built on helping our clients plan for their financial future, from multimillionaires to those beginning their first jobs.

We review your options regarding your retirement benefit, spousal benefit, and survivor benefit if available. Timing on claiming benefits is equally important, so we determine when to claim your benefits and how to synergize those with your spouse’s benefits. We then coordinate your Social Security benefit with your other retirement resources, assess your cash flow requirements – now and in the future, reduce or eliminate taxes on your benefits, and make sure that you make educated and well-informed choices.

We analyze your investment portfolio to determine if it is properly structured to support your most important goals. We help you see the big picture, understand your asset allocation, and evaluate investment risk. We will identify opportunities to reduce investment expenses and lower taxes. To ensure you stay on track, we monitor your portfolio on an ongoing basis.

We will analyze your tax scenario, including reviewing your tax return and Form 1099’s to find opportunities to reduce your tax liabilities – in the current year and years going forward. We do not prepare tax returns, but we will coordinate with your CPA or tax professional to ensure we act in unison.

We will ensure that your estate plan not only provides for distribution to the ones you love but also protects your children’s and grandchildren’s legacy from divorce, death, and litigation. We will reduce state and federal estate taxes and minimize estate settlement costs to the extent possible. We will also review beneficiary designations to determine that there are no inconsistencies. We do all of this in coordination with your attorney and CPA as necessary.

The loss of a spouse is perhaps one of the most traumatic experiences anyone will ever go through. We help you assess the financial impact and determine the actions you should take today to ensure that your loved one can maintain their desired lifestyle when you are gone. Our goal is to reduce unnecessary stress and provide financial security to your spouse or significant other.

We do a comprehensive review of your existing annuities and evaluate the registration in terms of ownership, annuitant, and beneficiaries. We uncover internal expenses – something most annuity owners are not aware of. We review living benefit features. By doing this, we determine if your existing annuities are still meeting their financial objectives or if better alternatives are available.

Optimizing the use of IRAs’ is an essential part of financial planning. We take advantage of opportunities for tax-deferred growth in traditional IRAs and tax-free growth in Roth IRAs. Roth IRA conversions, deductibility of contributions, and penalties for early withdrawals are also considered. We calculate required minimum distributions and ensure that IRS rules are complied with on a timely basis. Beneficiary designations are reviewed to ensure accuracy, up-to-date contact information, and conformity with current wishes.

The cost of providing long-term care, whether in your own home, assisted living facilities, or a nursing home, can be catastrophic and can ultimately erode even the best of retirement plans. In addition to the emotional stress, these costs can impair a family’s financial security and legacy objectives. You need a plan. We identify your options, including the use of asset protection trusts, asset re-titling, gifting, and long-term care insurance.