Our Services Financial & Retirement Planning General Financial Planning: Financial planning can help you create & work towards achieving your financial goals and objectives. We will work closely with you to:Understand your present future financial goals and prioritiesProvide you with a realistic and practical plan to achieve themMonitor your progressUpdate and make adjustments & changes as necessaryIf you are in the midst of a career change, a divorce, or even the passing of a loved one, we can help you with a custom, step-by-step plan that can bring confidence and trust to your future. Our ultimate objective is to provide financial planning services in a way that:Allows you to use the process as a foundation for financial direction & achievementUltimately serve as an extension & compliment to your plan of self-careEmpowers you to achieve your personal life goals by dealing with financial challenges while taking advantage of financial opportunities. Retirement Planning: We divide Retirement Planning into three key phases of the retirement planning process.Phase I – Project, Prioritize & AccumulateFor individuals & couples with more than 5 years until retirement. This can include:The goals and objectives processInvestment risk survey that encompasses both financial and psychological componentsDeveloping a target rate of return based on risk tolerance, investment objectives and time frameDetermining financial contributions needed to achieve your objectivesCreating a custom asset allocationAdditional services can include ongoing checks ups that may include investment recommendationsPhase II – Inspire, Prepare & Protect For individuals & couples approaching retirement. Here we help to prepare you for anything that has the potential to affect what you have worked so hard to attain. May include the following in addition to Phase I: General Retirement Planning CounselingPortfolio – risk identification & reductionSocial Security income strategyExamine pension & survivorship income optionsExamine potential survivorship income strategiesDebt management, mitigation & consolidationPlan for health & long-term care risks & costsLegacy & estate planning discussion Phase III – Retirement Income Planning & Preservation Designed for current retirement, this phase focuses on maximizing net after-tax income and includes an even greater focus on managing investment risk. We will help to ensure that you are properly diversified & prepared for anything that could disrupt your financial security. In addition to that, we can also help with:Withdrawal strategies to maximize after-tax incomeSurvivorship incomePortfolio analysis & recommendationsLegacy & estate planning. Additional ServicesWealth ManagementSection 1031 ExchangesEstate PlanningLong-Term Care PlanningTax-Reduction Strategies*Charitable PlanningSecurities Lending*This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax professional. Interested in a free, no-obligation consultation? Name Email Address Phone Question Thank you! Oops!