retirement planning services since 1987

Services

Retirement Planning

Financial security and peace of mind are top priorities for soon-to-be retirees. Today’s retirees are living longer so the fear of not having enough money, running out of money, or being a burden on their children in retirement is something our firm sees every day. Our firm specializes in alleviating financial concerns from your retirement.

Our core philosophy is to get to know you and your family first. We want to know what your hopes, dreams, and fears are. Then, we will take a look at your retirement account statements, for example: 401(k)s, IRAs, Roth IRAs, 457bs, etc. To us, those statements are just pieces of paper with numbers on it that can be used as a starting point. We are more concerned about what you want those numbers to do for you and how you want to live in retirement.

It’s simple. You bring us your goals, hopes, dreams, and fears; and we will share with you the strategies and options that are available to help you accomplish those hopes and dreams.

With fewer companies offering pensions and defined benefit plans, it’s becoming more rare for anyone to have a future income stream that he or she can rely on during retirement. There are several financial vehicles that can solve this problem by providing an investor with the opportunity to create their own personal pension. A comprehensive financial plan with all of your goals, objectives, and concerns can also help alleviate the stress of worrying about running out of money. Here are some of the concepts we will cover:
  • Durable Power of Attorney for Healthcare Decisions
  • Durable Power of Attorney for Financial Decisions
  • Conservatorships
  • Guardianships

Many people who are eligible to claim their Social Security benefits are unsure of how and when to do so. You have been putting away money towards Social Security your entire adult life, so it is only fair that you are educated on the best plan of action to optimize your returns. Do you know the correct time of when to claim your Social Security? Did you know that how much money you make and the number of years you worked can affect your payout? These are just some factors to consider, as there are many more. 

When people think of life insurance they typically think of term insurance: Paying a fixed premium on a monthly basis for a guarantee* from an insurance company to pay a fixed amount of money to one’s beneficiaries. While everyone should have life insurance, it’s important to know that the industry has evolved by creating cutting-edge and versatile products. Some of these products not only provide a death benefit, but also accumulate cash value. Examples include whole life insurance, universal life insurance, and variable life insurance. Each type has its own unique characteristics and traits.  The goal for each product is to provide your loved ones with a sense of financial security should you die prematurely, while accumulating as much cash value as possible for you to tap into on an income-tax-free basis. More and more people are buying cash value life insurance because of the tax efficiency it offers.

*Guarantees are based solely on the financial strength and claim-paying ability of the issuing company and compliance with product requirements.

securing tomorrow's future today
The key to realizing your dreams for tomorrow is by starting to think about them today. Your financial security is our most important goal.
covid-19 update

We want to let you know we’re keeping things clean and being cautious.

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