Once we know your goals, and we know the current state of your finances, we can create a plan for you and present our financial recommendations. There’s rarely one way to get from Point A to Point B. We provide you with the pros and cons of various scenarios. We can then help you make a comprehensive wealth management plan.

We think investing advice still means something to clients—and we personally believe advisers do add value to plans and portfolios. Nothing can protect an individual completely from market volatility. But we align our clients’ portfolios with their risk tolerances to ensure that they are comfortable with their wealth management choices.

Keeping track of what you’ve saved for retirement is paramount to creating a plan going forward. You need to know where your money is, how much money you have, and how you can distribute it when you retire. We can help you keep track of your accounts and roll them over if needed.

Just like IRAs, 401(k) accounts need to be tracked and managed by the employee—they are not an employer’s responsibility. They are your investment. We help you with your 401(k) and make sure it has a place and a purpose in your overall financial plan. 

No one likes to think about estate or legacy planning—however, most people want to leave a legacy for their families and communities, if they can. We help you find a way to leave some impact on the world after you’re gone.

Life insurance, as the saying goes, is for the living. We leverage a wide array of products and services (such as IUL or Whole Life) to make sure you are using your money efficiently when it comes to coverage. Not every policy will be right for everyone. That’s why we look carefully at every option for individual clients.

Not everyone has savings to cover the cost of nursing-home care, home-health care, or personal or adult care when needed. Some people fear facing a debilitating or chronic condition in retirement that depletes their savings and affects their legacy plans for their family. One option is long-term care insurance.

 No two careers follow the same trajectory. Following that, no two retirements are quite the same either. Everyone will have different goals, needs, and strategies. We take the time to listen to your needs and formulate a plan to take you from the accumulation phase of your life to the distribution phase.

Social Security is the United States’ federal “Old Age, Survivors, and Disability Insurance” (OASDI) program. It’s overseen by the Social Security Administration. The program is complicated, but we could help you maximize your benefits from it.

The U.S. tax code is a complicated document. We have strategies that we could help you to implement the most tax-efficient version of your retirement income plan. Contact us to learn more about these strategies and if they are right for your situation.