Our Financial Planning Process
We identify the values and beliefs most important to you and your family.
We establish a clear set of short- and long-term financial goals based on your values and beliefs.
Together, with your tax, legal, and other professional advisors, we compare financial alternatives and develop recommendations that work towards achieving your financial goals.
Services We Offer
Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, we can help develop customized financial strategies that can turn your goals into reality.
A well-rounded financial plan examines your total financial picture: your current financial position, retirement income planning, Social Security maximization, tax minimization, and family legacy planning. Your most valuable asset is time. The sooner you begin to plan for your financial future, the better your chances of achieving your goals.
RETIREMENT INCOME PLANNING
Creating an income plan to last throughout retirement is perhaps the most important challenge retirees will face. It’s very likely you’ll spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each of our clients and no two plans are exactly alike. Let us get to work creating a plan for you.
REQUEST YOUR 5 STEPS TO RETIREMENT GUIDE
We do not provide legal or tax advice and you should consult an attorney or tax advisor for such advice.
SOCIAL SECURITY MAXIMIZATION
Social Security on average accounts for 33% of a retiree’s income in retirement1, so this is not a source of income to take lightly. You can collect as early as 62, but there can be many advantages for delaying collection of benefits up to age 70. Proper planning for Social Security is critical for ensuring that you can maximize the rest of your retirement portfolio. Plans are based on goals of when you would like to retire combined when you are financially able to retire, while still maintaining the highest probability of success. Prior to claiming Social Security benefits, we recommend that every retiree work with an advisor who specializes in Social Security benefits to ensure that no money is left on the table, as lost benefits can add up to hundreds of thousands of dollars without proper planning.
REQUEST YOUR 7 THINGS TO KNOW ABOUT SOCIAL SECURITY GUIDE
1. The Average Retiree Gets This Percent of Retirement Income from Social Security – Social Security Intelligence
TAX MINIMIZATION
Taxes … something no one wants to think about in retirement. No one is obligated to pay more than they must, but to minimize taxes in retirement, proper tax planning is crucial. We have no control over what tax rates may be in the future, but we can take steps now to create as much tax-free income as possible, lessening the potential tax burden throughout your retirement.
FAMILY LEGACY PLANNING
Leaving a legacy for your children, grandchildren, and beyond is something of importance for many of our clients. We can help you properly plan for this so your decades of hard work and saving can pass to your heirs as efficiently as possible, potentially tax-free and guaranteed, rather than inadvertently leaving a large portion of your assets to Uncle Sam!
We’ll work alongside skilled attorneys with experience in living wills, trusts, powers of attorney, and other estate planning documents to help ensure your legacy is transferred to who you want and at the right time.
Put your financial plan on track to reach your goals today!
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