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A Full Range of Retirement Planning Services to Meet Your Needs

Our holistic offering of services is designed to support the tenants of an overarching financial plan: growth, preservation and legacy. We are an independent fiduciary firm, meaning we are committed to always doing what’s the in the best interest of the client based on their unique situation.

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Investment Planning

Some people make the mistake of thinking investment planning is about picking a few stocks and hoping for a favorable outcome. In reality, it’s a much larger component of an overall financial plan that deserves thought and careful attention. It addresses your current situation, goals and risk tolerance. Based on that information, we can propose investment strategies suitable to your situation. Accounts are monitored and rebalanced as your needs and goals change or if there are market fluctuations.

Retirement Income Planning

Are you in retirement or nearing retirement? If so, you might be wondering if your retirement income is positioned to support you for the rest of your life. We can look at your various income streams—such as investments, defined benefit pensions, retirement accounts, Social Security projections and other sources—to see where you stand. We can also offer strategies to mitigate financial risks such as taxes, inflation and health care costs. And, if you need a stable, guaranteed* income stream you can’t outlive, an annuity might be desirable as part of an overall retirement income plan.


*Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged. Annuities are long-term, tax-deferred vehicles designed for retirement and contain some limitations.

Insurance Planning

The strategic use of insurance can help reduce risk and offer protections as part of a financial plan. The life insurance payout can be used to offset financial hardship in the event of an untimely passing by the insured individual. Beneficiaries often use funds to pay off debt or a mortgage, fund an education or replace lost household income. Annuities are another insurance product that can provide a guaranteed* income stream when needed most. We can help examine your situation and determine how insurance can protect you and your family.

Health Care Planning

Health care costs tend to rise over time and can have a profound effect on your financial bottom line. It’s important to address this critical line item and know your options. We can help review your health care policy and source other options if needed. We also have expertise in understanding Medicare options, coverage and deadlines. We can also source supplemental health care policies that cover illnesses, accidents and conditions outside of your primary policy.

Long-Term Care Planning

Unknown health care costs are a financial risk as we age. Long-term care insurance can offset this risk by providing needed care and support for an individual in the event of a long-term illness or disability. Typically, when a person can no longer perform necessary daily living activities on their own, coverage can be used to pay for in-home or in-facility care, depending on a person’s situation. Having this type of coverage in place can reduce financial and personal strain on family members. We can help identify policies to fit your needs and budget.

Social Security Planning

You have likely worked most of your life and are looking forward to receiving Social Security payments. There are hundreds of options for taking benefits and payment amounts can vary greatly based on how and when you choose to file. Your age and marital status are just two factors to consider. We can look at your situation and help determine the best strategy for you. We can also explore early, on-time and delayed benefits and how that can impact your overall financial plan.

Tax Minimization Planning

Does it seem like your tax burden grows from year-to-year? We can review your financial situation and see if strategies to reduce taxes could benefit you. With tax laws constantly changing, it is prudent to look at your overall plan from a tax perspective on a regular basis. The money you save on taxes today can be reallocated elsewhere in your portfolio to help you reach your financial goals, not Uncle Sam’s.

Legacy Planning

One of the best gifts you can give to your loved ones is a well-designed legacy plan. Legacy planning involves documenting your final wishes for your assets and designating beneficiaries. It can also include the gift of life insurance funds to pay expenses or help with a life transition. The process often involves the help of legal professionals to make sure that your legacy plan is supported with the proper legal documents—wills, trusts and power of attorney. It’s best to address your legacy wishes while time is on your side.

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

5 Simple Steps to a Successful Retirement

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.

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