Positioning for Retirement

What is important to you? What are you looking forward to, whether next month, next year, or 10 years from now? We take the time to learn what makes you tick in order to identify and understand your goals. We then provide personalized financial planning tailored to your specific objectives, income, risk tolerance, values, and family situation. During our financial planning process, we work with you to evaluate and explore available options that may be beneficial to you, establish effective strategies, and construct and execute a plan. After this, we continue to work with you to assess the performance of the plan on an ongoing basis, and make adjustments as needed.

^*Services offered through Joel's affiliation with Eagle Strategies LLC, a Registered Investment Adviser.

What are your hopes and goals for the future?  Do you aim to travel or spend more time with your family and friends?  Or, do you hope to be more involved in charitable causes and volunteer work?  We will work with you to map out a strategy for achieving your goals.  Our comprehensive approach is designed to assess the myriad of options available and help you to implement an optimal accumulation or retirement income strategy.  We then monitor your plan on a continual basis, and adjust as your needs change and evolve. Our process provides consistency as you seek to pursue your goals, dreams, and hopes for the future.

We offer a consistent process to help ensure clients are able to meet their goals and have a clear path forward. We work with our clients to assess cash flow needs and desired spending so they have a clear picture of their financial situation.  Then, we work with them to design and implement a comprehensive income strategy to meet their objectives.

What is your view about risk? Managing your investments requires that we have not only a clear understanding of your overall objectives, but also your thoughts regarding risk. To help you meet your goals, we draw upon our comprehensive investment advisory capabilities to develop a disciplined investment approach that looks beyond a traditional asset allocation strategy. This comprehensive approach allows us to incorporate important factors into your investment management strategy, such as: your comfort level with risk, your desired scope of diversification, your preferences regarding socially-responsible investing, and your investment time horizon.

^*Services offered through Joel's affiliation with Eagle Strategies LLC, a Registered Investment Adviser.

Have you wondered whether you still need life insurance coverage at this stage in life? Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. It can help equalize what will pass to your children, or, if you have remarried, help avoid friction between your spouse and children from another marriage. Depending on your specific situation, the living benefits of permanent life insurance may also be beneficial to consider for you at this stage in life. Life insurance can be important not only for someone starting out – but also for someone who's starting over or moving on to “what’s next.”

Our team specializes in insurance planning and can assist you in evaluating whether insurance coverage is applicable and beneficial to your unique situation as you prepare for the future.

A well-engineered estate conservation plan can minimize tax liability, ensure that loved ones are protected, and prevent creditors or inheritance disputes from eroding the value or impact of what you have built and hope to pass on. We will work with you and your other advisors to assess the impact on your estate of family dynamics, state and federal tax rules, and your philanthropic wishes. From there, we will suggest strategies to help minimize taxes while meeting your personal objectives and family needs.

^*We do not provide tax or legal advice. Please consult with your own advisors for tax and legal advise.

What is important to you beyond investing? Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams to you and reducing your tax burden. A number of different charitable giving strategies exist. We can help you design and execute a charitable giving strategy aligned with your personal and philanthropic goals. Since tax considerations are integral to charitable planning, please seek tax advice from your own tax advisors. We will work as a team with you and your tax advisors to implement a charitable plan that is right for you.

Have you had a family member who needed assistance later in life?  You may be able to pay for this care yourself.  Depending on your situation, appropriate insurance coverage may be important to ensure your lifestyle remains intact, even if life takes an unexpected turn. We will help you to determine whether self-insuring or insurance coverage is the best approach to protect you, your assets, and your family against an extended care need.

Our team specializes in planning for extended care needs and can assist you in determining the best approach for your unique situation.