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Retirement Planning

HELPING NAVIGATE YOUR                                                                                  RETIREMENT JOURNEY

With the right plan, we bring your vision into sharper focus, so you can enjoy the lifestyle you want and deserve. Keep in mind that the planning doesn’t stop when your paychecks do. It’s a continuous process that goes on all the way through retirement.

We analyze your current situation to help you remain on track to pursue all you’ve envisioned from retirement, identifying sources of income and expenses to create and adhere to a tax-efficient withdrawal strategy. We make the most of your assets and income streams by creating a steady and sustainable income strategy, consolidating accounts, if necessary, to effectively help recreate the predictable cash flow of a steady paycheck and help to ensure contributions to your philanthropic interests.

Our Four Step Retirement Planning Process:

1. Analyze

The first step in our process is to analyze every benefit available to you including social security, pensions, investments, and annuities. Many of these items have different advantages and drawbacks. Our goal is to make sure that you understand these going before making a decision.

2. Optimize

Once we work through how these benefits may affect your retirement, we help you choose the right options based upon what is most important to you.

3. Implement

After we agree on the best course of action for your retirement, we help implement these recommendations for investments held with our team, and make sure that social security and employer benefits are carried out within your retirement plan.

4. Review

The last step is to review your retirement cash flow on an annual basis which may include a comprehensive financial plan. Within the financial plan, we illustrate items such as sources of income. annual tax liabilities, probability of outliving income, and the financial impacts of long term care events.

Your needs and wants may change during this time. We reevaluate your plan so you can maintain a clear picture of the kind of lifestyle you desire, reassessing your short- and long-term goals, plus your risk tolerance in retirement. We also make sure you have the proper up-to-date documentation to help ensure your legacy is preserved and wishes are respected.

As your life changes, so will your plan. We will review your plan and make adjustments, as needed, along the way.