We work alongside you as a retiree or pre-retiree to help realize your goals and objectives by identifying what is most important to you. We then design smart, long-term, and diversified investment strategies built within a comprehensive financial planning process. We are always looking for the most cost-efficient, high-value ways to manage your money. 

Investment Oversight Service

• Reviewing your investments and designing a personalized portfolio appropriate to your needs
• Year-long, continual monitoring of your investments
• Quarterly, semi-annual or annual meetings to review and evaluate your investment performance,
  update your overall financial objectives and if necessary, reallocate your portfolio as agreed upon by you
• Independent Advice
• Recommendations regarding positioning of investments within your employer provided retirement plans
  such as 401(k)s
• Quarterly economic report detailing updated analysis and a current view of the investment markets

Tax Reduction Planning

• Comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies
• Annual review of your tax situation and planning to incorporate any new tax law changes
• Complimentary consultation with your tax preparer
• Recommendations of tax solutions including tax advantaged investments
• Staying current on and presenting new tax laws that can affect your situation

Retirement Income & Distribution Planning

• Analysis of your current and future income needs
• Continual development and implementation of recommendations to fund your income needs to optimize your lifestyle
• Recommendations regarding the most appropriate distribution strategy for your employer retirement plans and IRAs
• Analysis of the beneficiaries of your IRAs

Family Wealth Planning

• Analysis of your current estate plan
• Review of strategies to efficiently transfer wealth to your loved ones
• Complimentary consultation with your attorney
• Assistance in transferring assets to your Living Trust or other trusts
• Providing guidance with the appropriate and necessary steps in the event of the death of a loved one

Client Services & Communications

• Quarterly Newsletter to keep you apprised of the most current planning strategies
• Quarterly, semi-annual or annual reviews
• Special reports on how to help reduce your taxes and other important topics
• Special Gold Medal Service Events, including client appreciation events (where you may bring up to 2 guests)

Tax Projections 

• While it is difficult to plan long-term taxes, we work with the data we have (the current tax rates and any pending sunsets) and the information you provide to help you plan for major life events.
• Our goal is not to prepare your taxes (we do not) but to help you save on taxes through long-term tax planning.
• We incorporate a highly secure and amazing client portal to help with planning for future taxation and various scenarios. Through this portal, we can share all this work with you, for you to access remotely. 
• Some tax projection planning we help our clients with:
  
  • Roth Conversion Planning
  • Itemization planning
  • Tax Sunsets
  • Capital Gains
  • Real Estate
  • RMDs from IRAs
  • Social Security
  • Deferred Compensation
  • Trust Income
  • IRAs through the generations
  • Liquidity events from sale of business or exit from company
  • Charitable Gifting through QCDs from IRAs or via Trusts

Family Tax Bracket Management (C) 

• Working with you and your beneficiaries to reduce the tax burden through the generations.
• Incorporates inherited IRAs, Trusts, Corporations, Real Estate, and many other planning tools.

Estate Planning

• Coupled closely with tax planning and family tax bracket management to deliver the results you want after your death. We all die. It is unavoidable. We help you plan to create the legacy you want when you are no longer here. 
• Life Insurance pays tax-free so it can be an incredible planning tool to legally avoid estate taxes. We are licensed life insurance agents and can help you facilitate this process or work closely with your existing insurance agents. 
• Trusts covered, among others:
  • QTIP
  • IDGT
  • GRAT
  • CRT
  • A-B
  • Spousal Access 
  • Bypass
  • Revocable 
  • Irrevocable
  • Charitable
  • Dynasty
    
  • Special Needs
  • NIMCRUTs
  • Life Insurance (ILIT)
  • Generation Skipping

We are licensed in Medicare supplement and health insurance but do not receive commissions for this work. We do not believe in high pressure sales, but will recommend what you need to complete your plan, along with a referral to a trusted partner. We are licensed in life, disability and long-term care insurance. We can receive commissions for this work, if you implement these with our firm. 

Medicare Planning

• Although we maintain our licenses, we do not take revenue for this line of business but offer it to all our investment and financial planning clients as a value added service. 
• We will assist you in setting up initially and annually walking you through the renewal process. 
• What we cover:
  • Part A 
  • Part B
  • Medicare Supplement 
  • Medicare Advantage (Part C)
  • Prescription Drug (Part D)
  • Integrating with other insurance coverages 

Health Insurance

• We maintain our licenses but do not take income for this service. 
  
• We can help you plan and walk you through the best plan for you and your family, or refer to you another professional who can. 
• This service is especially helpful as you plan for retirement before age 65. 

Life Insurance

• Life insurance is required for most professionals. As you age, the need for traditional life insurance declines. The are other reasons to consider life insurance beyond the traditional methods. 
• Primary Reasons for Life Insurance:
  • Estate Planning for Tax Avoidance
  • Cash Value for Tax-Deferred Growth and Tax Avoidance 
  • Death Benefit to Offset Income at Death
  • Divorce Planning
  • Business Planning 

Disability Insurance

• If you are hurt and cannot work for a long period of time, this will provide some portion of what you made before the disability. It is essential to have this coverage prior to retirement. 

Long Term Care Insurance

• Nearly everyone has the potential to need long term care. We help you navigate the choices of planning for this need with future cash flow or through insurance.