Financial Planning For A Stable Retirement

Each client works through our four-step BLUE Process. The process holistically leads us through a discussion of possible strategies and custom recommendations based on client needs, wants, concerns and goals. Client plans typically encompass the following service areas:

Investment Management

Investment management is the proactive management of your assets and resources to grow wealth for future use. We look at:



• Risk tolerance, timelines and short- and long-term goals.
• Portfolio performance and projections.
• Portfolio rebalancing as needed.
  

Financial Planning

We create a customized, overarching financial plan to address today’s needs and future wants based on growth, protection and preservation. We look at:

• Your overall goals and aspirations.
• All sources income and debt.
• Risk mitigation and time horizons.
  

Retirement Income Planning

When preparing for retirement, it’s important to fully develop a retirement income plan and associated income streams. We help with:

• Drawing down investments, defined benefit pensions and other retirement accounts.
• Risk reduction in the areas of taxes, health care and longevity.
• Creating a guaranteed income stream you can’t outlive with annuities.
  

Insurance Strategies

Insurance can help to reduce risk in a financial plan and provide reassurance when it comes to life’s uncertainties. It can help replace lost income and offer financial stability during a challenging time. We can help with:

• Explaining and sourcing life insurance policies.
• Explaining and sourcing long-term care insurance policies.
• Explaining and sourcing annuities to create a guaranteed income stream.
  

Social Security Maximization

Determining how and when to take Social Security is a big decision, with many options and timelines to consider. We can help clients understand their options by:

• Analyzing the various Social Security scenarios.
• Reviewing the timelines for early, on-time and delayed filing.
• Explaining tax and income consequences.
  

Tax Mitigation Strategies

Unmanaged taxes have a tendency to erode a financial nest egg over time. We can work with your CPA to make sure that your taxes and financial plan are in sync. We can help with:

• Reviewing finances to see if you are paying too much or too little in taxes.
• Identifying financial strategies to help reduce tax burdens.
• Completing account rollovers to help reduce taxes in retirement.
  

IRA/401(k) Rollovers and Planning

It is likely you have several retirement accounts. When changing jobs, it’s easy to leave these accounts behind with a previous employer. We can help you get organized by:

• Gathering and proactively managing accounts.
• Explaining account types and determining if rollovers could mitigate taxes.
• Planning for the drawdown of funds in retirement.
  

Long-Term Care Planning

The increasing health care costs associated with aging is a concern of many retirees. One way to mitigate the risk of accessing and receiving care is through long-term care planning. We can help with:

• Estimating health care costs later in life.
• Explaining and sourcing long-term care insurance policies.
• Discussing Medicare coverage and the various supplements.
  

Legacy Planning

Leaving a well-thought-out legacy is truly a gift for your heirs. It can help alleviate confusion and financial hardship in many cases. We can help with:

• Making sure beneficiaries are accurate on all accounts.
• Discussing life insurance types and securing policies.
• Partnering with legal professionals on estates, wills and power of attorney documents.
  

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.