Pre-Retirees Â
You've worked diligently and saved wisely, setting the stage for the next chapter of your life. As you approach retirement, the critical decisions you make now are pivotal for securing your family's financial future. You deserve a trusted partner who can help clarify your vision and craft a comprehensive financial plan around it, ensuring a successful transition to your work-optional years.
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Retirement Date Uncertainty
Common Pain Point
Concerns about whether you have accumulated enough to maintain your desired lifestyle if you choose to retire early.
How We Can Help
We conduct a thorough analysis of your financial situation, exploring various retirement scenarios—immediate, phased, or delayed. We provide actionable steps to help you achieve your desired retirement timeline.
Common Pain Point
Optimizing Your Retirement Benefits
Navigating the complexities of and optimizing your Social Security, pensions, deferred compensation, stock options, and other retirement benefits.
How We Can Help
Our analysis includes a detailed look at each of your income sources to ensure they work together optimally within the broader context of your financial goals.
Investment Strategy
Common Pain Point
Anxiety about market volatility and whether your current investment strategy will sustain your long-term financial needs.
How We Can Help
We evaluate your current portfolio, assess its risk, and tailor a more efficient strategy that better aligns with your goals, risk tolerance and tax situation. Education and ongoing management are part of our commitment to keep you informed and confident.
Common Pain Point
Navigating The Push of Financial Products
Hesitation and confusion over being pushed products like annuities that may not align with your best interests.
How We Can Help
As a fee-only fiduciary, we don’t sell products. We provide unbiased advice, helping you make informed decisions without sales pressure. Should you have any of these products already, we can help you use them efficiently.
Healthcare and Long-Term Care Planning
Common Pain Point
Anxiety over escalating healthcare costs and future long-term care needs, as well as finding appropriate coverage for your family.
How We Can Help
We guide you through choosing the best healthcare options and crafting a comprehensive long-term care strategy, ensuring you are well-prepared for the future.
Tax Planning
Common Pain Point
Complexity in managing tax strategies including marginal income bracket planning, stock plans, Roth conversions and charitable giving.
How We Can Help
Annual and future-focused tax planning helps navigate complex issues, saving you and your heirs tax dollars. We work directly with your CPA or can recommend a trusted tax professional who specializes in needs like yours.
Estate and Legacy Planning
Common Pain Point
Ensuring that your estate plan is up-to-date, minimizes estate taxes and probate costs, and effectively passes your legacy to the next generation.
How We Can Help
We review your estate plan, identifying risks or misalignments and work with your attorney to update your documents as needed to ensure they meet your goals and minimize potential estate taxes and probate costs. We can also recommend a trusted attorney if preferred.
Maximizing Your Time and Freedom
Common Pain Point
Desire to simplify and effectively manage your finances to free up time for enjoying what is important to you.
How We Can Help
By entrusting us with the management of your financial planning needs, we empower you to focus on what you enjoy most.
By proactively addressing common pain points like these, along with a host of others, through a comprehensive financial plan, we ensure pre-retirees seamlessly transition into their work-optional years, fully equipped to enjoy them to the fullest.
Learn more about our suite of services and how we can tailor them to meet your needs.
Ready to take control of your retirement journey? Schedule a consultation with us today.