Retirement Planning

Every retiree needs a plan for creating and sustaining income

Greatest fear for retirees?

After working so hard for so long, you shouldn’t have to worry about where your income is coming from in retirement.

52% say outliving their savings
68% don’t know much about retirement income strategies

Retirement Planning

  • Not just for the wealthy
  • The goal is worry-free retirement
  • Insurance vehicles, dividends and fixed-income investments
  • Design a plan with you in mind

We create opportunities for your long-term growth potential, as well as lifetime income throughout your retirement.

Our retirement planners assess your current income and future income to build the budget that suits you and your family best. Once we understand your income needs, we design a custom plan meeting your risk guidelines and investment objectives.

From Now to 95

Our plans cover potential scenarios you might expect from now until your retirement date, then year by year until age 95. This gives our clients confidence knowing what the plan is and how to stay on the path.

Once the plan is in place, we can meet as often as needed, usually 3 to 4 times a year, and make changes if necessary

Annuity Stress Test

  • Don’t buy an annuity without a stress test
  • Your fees, value and growth matters
  • Find the best annuity for you

Long Term Care

Negotiate the complex world of long-term care

The need for long-term care planning is growing. As more and more baby boomers approach their 60s, outliving good health becomes a top focus.

70% of retirees will need long-term care.
$7441 – $8,365/month is the cost of long-term care.


Long-Term Care Insurance

  • Protects you from financial burden
  • Provides additional peace of mind
  • Preserves your health and wealth

Life Insurance

A cornerstone of retirement protection

  • Key part of retirement planning
  • Protects your loved ones
  • Helps pay for retirement
  • Provides tax-advantaged assets
Only 29% of Americans have enough life insurance

We can find the right life insurance options for you, especially if you’ve already maxed out your Roth IRAs and 401(k)s.

Life Insurance Review

Where to start with life insurance? Our licensed professionals listen to your wants and needs, then help you decide what’s best for you.

Your needs will look different from anyone else’s depending on:

  • Your dependents
  • How much coverage you need
  • Types of policies you prefer

A professional recommendation can help bring peace of mind that you’re protected. We run cost analyses to discern if your policy still fits you and your family’s needs. Updating an old policy often improves cost and benefit.

Estate Planning

Wills and Revocable Trusts

For your family’s future, make sure everyone is protected in your will or revocable trust. Avoid costly mistakes to your loved ones.

  • Provide for your future
  • Let your family know
  • Clear up legal confusion
  • Feel comfortable knowing you’re taken care of.

One appointment with us can solidify your future financial planning.

Estate & Legacy Planning

Your assets used how you want after you’re gone.

50% of Americans don’t have a will

The concept of estate planning is simple. The tools, planning, and implementation to make it happen is not. Your assets should go to the people and causes you intend without getting stuck in probate.

  • Personal accounts
  • Business properties
  • Transition of assets
  • Avoid unintended consequences for loved ones
  • Plan to cement estate and legacy forever

Whether you’d like to pass on your personal accounts, business properties, or any other assets, it’s important to have a plan for the transition of those assets and any unintended consequences the transfer of assets may have for your loved ones.