Are you at or nearing retirement and wondering whether you’re on track? Unsure how to take your pension or Social Security benefits, or how to create income from your investment portfolio? Concerned about taking too much investment risk but also wanting to make sure your money lasts?

The Modest Millers were also feeling uncertain even though they had done all the right things. They sought an advisor to not just manage their investments but to help bring clarity and confidence to their financial lives. They were able to better prioritize their dollars today by clearly seeing the implications of those decisions on their retirement.

The Millers were happy to gain a clear idea of what they could afford to pay for college without wrecking their retirement. Jim was happy to establish a retirement timeline, so he knew just how long he would continue to work. Sue was delighted to learn that through proper planning, it was financially feasible for her to spend more time with her ill parents instead of working a job, and that this wouldn’t mean Jim had to work any longer than he intended.

They said, “We should have come to you for advice years ago. While we can’t change the past, we now feel great about where we are and our future.” *

Utilize our retirement planning expertise to help put you on the right path and keep you there. Our CERTIFIED FINANCIAL PLANNER™ professionals will work with you on an ongoing basis to help you maintain your lifestyle throughout retirement, making sure that your money lasts at least as long as you do.

Our Retirement Planning service is generally for those who are in retirement or within a fifteen year reach of retirement with less than one million dollars in investable assets. Areas of focus tend to be on cash flow, retirement planning, and investments. All Retirement Planning clients receive advice from a Certified Financial Planner™ Professional.

 INTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
INVESTMENT MANAGEMENTINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Institutional-class fund implementation
Management of employer accounts [401(k), etc.]
Performance monitoring and reporting
Portfolio management and optimization
Portfolio rebalancing
Tax-loss harvesting
Tax-efficiency planning for investments
CASH FLOW AND DEBT MANAGEMENTINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Cash flow reconciliation 
Debt management 
Mortgage management 
RISK MANAGEMENT AND INSURANCE PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Disability insurance needs analysis 
Health insurance/Medicare planning  
Life insurance needs analysis 
Long-term-care needs analysis  
Ongoing policy management 
P&C policy review (every three years)   
TAX PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
AMT planning   
Annual tax projections   
Capital gains tax planning   
Estimated tax and withholding management 
Medicare income adjustment planning   
Roth conversion analysis and management   
Tax return preparation and review 
Tax minimization strategies  
Tax-wise charitable giving strategies   
RETIREMENT PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Ongoing management of distribution plan  
Pension analysis and maximization  
Retirement goal and expense modeling  
Retirement plan stress testing  
Retirement projections   
Social Security maximization  
Tax-efficient distribution strategies  
ESTATE PLANNINGINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Beneficiary review (every three years)   
Collaboration with estate attorney and client   
Estate plan review (every three years)   
Execution of asset alignment instructions 
Referral to estate attorney  
Wealth transfer planning   
OTHER SERVICESINTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Business owner planning   
College and education planning 
Concierge-type services and implementation   
Digitization and storage of critical documents 
Employee benefit analysis and optimization 
Investment real estate analysis   
Stock option strategies   
Student loan management   
 More InfoMore InfoMore InfoMore Info

* Above scenario, while representative of many client cases, is hypothetical in nature.