Helping You Unlock Your Retirement Potential

Retirement Income Planning

You’ve saved your whole life for retirement, accumulating and growing your nest egg. If you combine your accumulated assets with projected Social Security earnings, will you have enough to retire and stay retired, covering your basic needs with enough left over to enjoy life? We can help you answer this question and others as we look at how your income streams can work together in retirement. We can also see if strategies for creating an additional income stream you can’t outlive are applicable in your situation.

Insurance Strategies

We all hope to live long and healthy lives, however being financially prepared for accidents and illness should be part of an overall plan. Life insurance is a way to make sure your spouse and family are financially provided for in the event of an untimely passing. Long-term care insurance can be utilized to make sure adequate support is in place if you need help with activities of daily living and health care tasks. And, disability insurance can provide a financial safety net after an injury or accident.

401(k) & IRA Rollovers

Have you left retirement earnings behind when you have changed jobs? Or do you have too many uncoordinated accounts to manage? If so, we can help you round up those accounts and get organized. We can explain the different IRA account types and get you set up with a new account or rollover a current account so you can make your retirement funds work for you.

Social Security Maximization

Choosing when and how to draw Social Security can be a tough decision with hundreds of options. Decisions should always be made based on your specific situation, such as marital status, income need and timing. Making the best choice also can depend on additional savings and retirement accounts you may have. Our team can help you navigate the possibilities, so you get the most from your hard-earned benefits.

Tax Minimization Strategies

Taxes will always be a part of life. We can review your assets and see if strategies to reduce taxes might apply in your situation. Every dollar saved today can work for you in retirement. We also know that most people want don’t want to share their retirement income or legacy with Uncle Sam. While we can’t get rid of taxes, we can explore strategies to possibly reduce your tax burden.

Legacy Planning

Protecting, preserving, and passing along your estate is important to overall financial well-being. We work to make certain you have a plan that allows you to protect your assets, save taxes, and pass along more wealth to heirs or a favorite charity or cause. It’s better to address legacy wishes today, while time is on your side, rather than wait until it’s too late.