Your money should last a lifetime.

Retirement, it’s your time

Retirement is not a finish line, but an exciting new path, and decisions along the way deserve thoughtful planning and care. Whether you are planning for retirement or actively retired, our mission is to provide you with the best professional guidance to navigate the journey of retirement.

Comprehensive Planning

  • Investment Management

    The cornerstone of our relationship with clients is investment management. We believe in the protection of assets using our Investment Protection Strategy.

  • Tax Planning

    We work with our clients to understand how taxes will impact their retirement and how we can proactively plan and minimize them where possible.

  • Social Security & Pensions

    We help our clients select the appropriate time to collect Social Security and when and how to collect a Pension.

  • Cash Flow Planning

    Our clients have adaptive plans which allow them to understand their cash flow in retirement.

  • Medicare

    We aid our clients in planning for health insurance needs in retirement, and how to avoid tax pitfalls in the process.

  • Estate Planning

    We work with our clients and their estate attorneys to ensure their Estate Planning documents achieve their goals.

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Your retirement timeline

 

Estate & Tax Planning Through Retirement

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Tax planning →
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Preparing for Retirement

Age 50

Catch up contributions to help you save for retirement
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Possible Penalty Free Withdrawals

Age 55

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401k Rollovers

Age 59 ½

You may be eligible to use an Individual Retirement Account to help you meet your savings goals
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Social Security Survivor Benefit

Age 60

If widowed, you may be eligible to claim Social Security
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Social Security Early Claiming

Age 62

If eligible, you may be able to start claiming Social Security
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Medicare Begins

Age 65

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Social Security Full Retirement Age

Age 66-67

Careful planning of when you will claim Social Security and spousal benefits planning is important
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Social Security Delay Cutoff

Age 70

Determine if there is any reason to continue delaying social security
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Qualified Charitable Distributions

Age 70 ½

Tax-free distributions from your IRA account are available for charitable giving
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Required Minimum Distributions

Age 72-75

At age 72, there are pre-determined portions that you must withdraw from your retirement accounts each year *May be later based on birth year
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Long Term Care

Age 84+

The average age of claiming on long term care insurance is age 84
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Make The Rest of Your Life The Best of Your Life

We help clients plan for and enjoy a retirement with peace of mind.

 

How it Works

  • 1. Assessment Meeting

    We will discuss your goals and gather information to build your holistic financial picture

  • 2. Planning Meeting

    We will present a plan with personalized recommendations and show you how we manage investments

  • 3. Ongoing Reviews

    We meet regularly to keep your plan on track and adapt to the changes that life brings