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 MANAGEMENT INTEGRATED 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 MANAGEMENT INTEGRATED WEALTH
MANAGEMENT
RETIREMENT
PLANNING
WEALTH
ACCUMULATORS
INVESTMENT
MANAGEMENT ONLY
Cash flow reconciliation  
Debt management  
Mortgage management  
RISK MANAGEMENT AND INSURANCE PLANNING INTEGRATED 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 PLANNING INTEGRATED 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 PLANNING INTEGRATED 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 PLANNING INTEGRATED 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 SERVICES INTEGRATED 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      
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* Above scenario, while representative of many client cases, is hypothetical in nature.