Broker Check


Retirement Planning — the planning one does to be prepared for life after actively earned income shifts to passive income streams. This is not just financial, but affects all aspects of life. It is the process of determining retirement income goals, and the activities and decisions necessary to achieve those goals.

The non-financial aspects include lifestyle choices such as how to spend time in retirement, where to live, desired travel and leisure, in addition to when and if to completely stop working. A holistic approach to retirement planning considers all of these areas.

The emphasis one puts on retirement planning changes throughout different life stages. Early in a person’s life, retirement planning is about setting aside money for the future. During the middle of one’s career, it may also include setting specific income or asset targets and taking the steps to achieve them. Once you reach the age where you no longer are actively working to achieve your income, you go from accumulating assets to determining the most efficient and effective manner to distribute passive income from what you have saved. Your decades of savings are now paying off.

Working with a financial advisor that can help you navigate each of these stages to help ensure you are optimally positioning each incoming dollar is essential to success.

What is the next chapter going to look like and are you prepared?

For many, retirement planning stops at contributing to a traditional qualified retirement plan, rate of return and the accumulation of savings We delve far deeper into the important area of how much you save, and the compounding of your savings with the goal of mitigating exposure to the stealth erosion that taxes, inflation, market volatility and timing can have on one’s ability to build wealth for the future. We don’t compartmentalize retirement to some isolated line item on your balance sheet, but rather seek to help you save money today, to establish greater growth, flexibility and value for the long term.

We want to ensure you are optimizing distributions from your portfolio of assets in retirement on a net basis by utilizing tax diversification and tax deferral strategies today.
Many of our clients are tired of the ripple effects from the political football game higher income taxes play with each administration in office, and the uncertainty of how a constantly increasing tax impact will continue to effect them.

In order to combat that proactively, we also pursue after tax strategies that help create desirable tax-free growth, accumulation and distributions We establish a short term, mid range and long term purpose for each dollar of current cash flow that is geared toward maximizing efficiency A dollar we can help you save, is more valuable than a dollar earned that’s taxed or lost in unnecessary fees Our objective is to increase your cash flows and money supply at each phase of life.

Individual retirement goals and concerns vary widely. A stock, bond, building or fund is not a plan. There are extensive considerations that have to be thought of and planned for that continues to evolve. We engage in a process that has you consider what and who are most meaningful to you, underscores your ‘why’, while we work together on the ‘how’

Retirement is an exciting phase of life that may open up new opportunities and possibilities that we continue to assess and capitalize on together. A cohesive plan harmoniously integrates one’s retirement, estate, financial and charitable aspirations comprehensively and is part of our ongoing focus.