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Income Planning

Our goal is to help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life.  This typically includes:

  • Social Security Optimization

  • Income & Expense Analysis

  • Inflation Plan

  • Spousal Plan

  • Longevity Protection

Investment Planning

Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.  This typically includes:

  • Assessing your Risk Tolerance

  • Adjusting your portfolio to reduce fees

  • Volatility Control

  • Evaluate ways to help reduce risk while working towards your goals

  • Comprehensive Institutional Money Management


Tax-Efficient Strategy Planning

Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities.  This typically includes;

  • Assessing the taxable nature of your currentholdings

  • Possible I.R.A. Planning

  • Strategizing ways to include tax-deferred or tax-free money in your plan

  • Strategizing which tax category to draw income from first to potentially reduce tax burden

  • Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries


Health Care Planning

We will create a plan to help you address rising healthcare costs with a minimum of expense, including:

  • Looking at all aspects of Medicare, Parts A, B and D

  • Analyzing options for a long-term Care Plan

Legacy Planning

It is important to ensure your hard-earned assets go to your beneficiaries in  the most tax efficient manner.  By working collaboratively with your estate planning attorney and/or tax professional, our goal will be to help you:

  • Maximize your estate and income tax planning opportunities

  • Work with you legal and tax professionals to help protect assets and ensure your beneficiaries probate free

  • Develop strategies designed to prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death


Wealth Management

Time could be on your side when it comes to investing.

Generally speaking, the longer you invest the more potential your money has to grow. If you are still trying to recover from losses in recent years and you’re looking to get back on track to accumulating wealth, you may want to consider a more aggressive asset allocation with at least a portion of your money. However, those who’ve lost in the stock market may sometimes be a little more wary of approaches that increase their market risks.

If that sounds like you, there are more conservative investment options available that provide the potential for wealth accumulation. Using these investment options in conjunction with insurance contracts such as annuities can help you design a more conservative retirement strategy. After all, the last thing you want to do in retirement is lose more ground during another market correction.



If you’ve ever worried about outliving your retirement savings, you’re not alone. 

A recent study found that 67 percent of Americans indicated they would be willing to give up smaller pay increases in exchange for steady and reliable income in retirement. In the same study, 78 percent said the disappearance of pensions has made it harder to achieve the American dream.1 

With pension offerings on the decline, you may want to consider a fixed income component to your financial strategy. In short, adding an annuity may be an opportunity to help ensure a portion of your retirement income will be guaranteed.  


What is an annuity? 

An annuity is a contract you purchase from an insurance company. For the premium you pay, you receive certain fixed and/or variable interest crediting options able to compound tax deferred until withdrawn. When you are ready to receive income distributions, this vehicle offers a variety of guaranteed payout options — some even for life.

Most annuities have provisions that allow you to withdraw a percentage of the value of the contract each year up to a certain limit. However, withdrawals will reduce the contract value and the value of any protected benefits. Excess withdrawals above the restricted limit typically incur “surrender charges” within the first five to 15 years of the contract. Because they are designed as a long-term retirement income vehicle, annuity withdrawals made before age 59 ½ are subject to a 10 percent penalty fee, and all withdrawals may be subject to income taxes.

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