Nearing Retirement

It’s never too early to start thinking about retirement. Retirement looks different for everyone depending on their current situation and future goals. We take a holistic approach to preparing you for retirement that considers how you can save money today to use tomorrow.

• Assess retirement readiness
• Identify proactive steps to help work toward goals
• Evaluate the pros and cons of the target retirement date
• Align retirement savings with goals
• Manage investments and monitor portfolio
• Define a distribution strategy for IRA, 401(k), and other savings

New and “Seasoned” Retirees

Retirement can introduce new questions and uncertainties we didn’t have during working years. Whether hitting the snooze button is new to you or you’ve been retired for years, we can help evaluate and optimize your retirement strategy.

• Creating a Financial Plan that incorporates personal and financial goals
• Outlining distribution strategies to replace pre-retirement income
• Providing investment management and portfolio monitoring services
• Managing taxes in retirement
• Collaborating with your tax advisor, estate attorney, and other professionals
• Coordinating charitable giving and wealth transfer strategies with your tax advisor and estate planning attorney

Executives

An executive appreciates the value of time. We can help get right down to the facts to help you navigate your financial path with direct, personalized, straightforward, research-based advice.

• Comprehensive financial planning services with action plans to help implement next steps
• Proactive communication with you and your other professionals such as tax advisors and estate planning attorneys
• Asset allocation guidance from working years through retirement to help manage risk
• Complete portfolio management services for individuals who prefer to delegate investment management and ongoing monitoring
• Helping manage taxes during working years and retirement
• Coordinating charitable giving and wealth transfer strategies with your tax advisor and estate planning attorney

Physicians

The demands on time and attention can be overwhelming for all of us, and especially for physicians who often have a unique business setup and pay structure. While focus must be on your practice, you need an experienced partner who can help show you maximize your savings and investments in a way that minimizes costs to do so. We can help diagnose pain points and prescribe the right path to keep your nest egg healthy and strong.

• Comprehensive financial planning services, including addressing risk management concerns and planning needs inherent to physicians
• Proactive communication with you and your other professionals such as tax advisors and estate planning attorneys
• Asset allocation guidance from working years through retirement to help manage risk
• Complete portfolio management services for individuals who prefer to delegate investment management and ongoing monitoring
• Helping manage taxes during working years and throughout retirement
• Coordinating wealth transfer and protection strategies with your tax advisor and estate planning attorney

Multi-Generational families seeking planning and guidance

The needs of each generation are unique. We work with families to build a plan that will span multiple generations and provide future families security and peace-of-mind.

We feel so strongly about legacy planning that we incorporate the broader thinking of many diverse professionals to help ensure your legacy will provide for your family for generations to come.

• Identify goals and evaluate progress toward them
• Define proactive steps to help address goals
• Plan for the long-term
• Assess risk tolerance and evaluate current asset allocation
• Implement portfolio management strategies with a long-term, research-based approach
• Manage taxes
• Assess insurance needs

Individuals and Families experiencing life-event transitions

Life events can usher in stress and uncertainty that can impact finances. Sometimes, transitions like the loss of a loved one or spouse, an inheritance, divorce, a career change, or welcoming the birth of a child come unexpectedly. Whether you are new to managing your finances, or are experienced but looking for additional guidance, we can work at whatever level of involvement you need to help you feel more in control.

• Assessing your current situation and creating a Financial Plan tailored to your personal situation and financial goals
• Assisting with your wealth management needs including asset allocation guidance, portfolio management, and ongoing investment monitoring
• Budgeting and cash flow guidance
• Establishing distribution strategies to replace or supplement your income if needed
• Providing ongoing education and proactive communication to help you stay informed
• Collaborating with your tax advisor, estate attorney, and other professionals