Approaching Retirement
How We Can Help
Transitioning into retirement can be scary. During your working years you're in control of your career and income. You have cash coming in each month to pay the bills and taxes, and maybe have a little left over to add to your nest egg. You give up that income when you retire, crossing your fingers that your savings is enough to last you the rest of your life.
We can help you navigate this transition with confidence, and create a retirement plan that works for you and your family. We'll help you navigate Social Security, pension & healthcare decisions, manage taxes, and make sure that your finances are positioned to support your long term success.
Retirement
Income Planning
Using your savings to pay living expenses can be a scary transition. We can help you create a consistent retirement income plan that you're comfortable with and confident in.
Proactive
Tax Planning
Taxes are a part of life in retirement - particularly if you've used an IRA or 401k to build your savings. We can help you plan proactively to minimize your tax burden.
Sound Investment Management
We employ a consistent investment philosophy rooted in data and empirical evidence to help our clients reach optimal investment outcomes.
Comprehensive Financial Planning
We help our clients explore what they want from their retirement and create financial plans that optimize their resources toward those objectives.
This comprehensive focus helps ensure that your finances are working together, propelling you toward your goals and that no opportunities to preserve wealth, pay less in taxes, or reduce risk go overlooked.
We're in the business of helping people reach the best financial destination for them. We do this by employing a consistent process to help understand your goals, values, and aspirations. After review and analysis we provide observations and recommendations to arrange the puzzle pieces in a manner best suited for you and your family.
How will you draw income in retirement? How much will Social Security provide each month, and when should you file? Which account should you draw from first? Our team can help you build a consistent retirement income plan that works for you & your family and that you have complete confidence in.
To deliver the best possible investment outcome we employ a consistent philosophy based on empirical evidence and academic research. We do not experiment. We do not invest based on conjecture or gut feeling. We build custom portfolios based on your unique needs and financial plan. And, if appropriate or important to you, we can include socially responsible or sustainably focused strategies too.
Everyone needs to pay their fair share in taxes. But you probably don’t want to leave a tip. Our team can work to help you minimize your tax burden over time. Whether it be via strategic Roth IRA conversions, qualified charitable distributions, or harvesting tax losses (or even gains), we can help you optimize your taxes for the long-term. We can also file your returns if you need help.*
Estate planning comes in two forms: estate planning while you're alive and estate planning after you've passed on. Wether your intention is to support your favorite charity, send your grandkids to college, or maximize a bequest to family, it's important to monitor both these components as you travel through life. We can help confirm that your finances are structured in a way that's congruent with your estate plan and can collaborate with your attorney when needed.
Featured Success Stories
Retirement Income Planning
Laura and Fred were toward the end of their successful careers. Their three kids were grown, married, and starting families of their own. Laura and Fred were ready for the next phase of their lives, but didn’t know exactly how to turn their retirement savings into consistent income after their stopped working. Plus, they were concerned about Social Security and paying taxes on distributions from their 401k plans. They wanted to travel the world, spend time with their growing family, and help their grandkids save for college costs.
Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.
Minimizing Taxes in Retirement
Ray was a partner in a successful real estate firm and was approaching the retirement date specified in his buy/sell agreement. Ray was confident he had plenty of resources to fund a comfortable retirement, but he was very concerned about taxation. He’d accumulated substantial savings in the company 401(k) plan and would trigger income streams from deferred compensation and deferred sales payments once he left. Ray and his wife Charlotte needed help reducing the tax bite, both now and in the future.
Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.
Early Retirement Planning
Amanda had built her successful veterinary practice from the ground up. It was hard, but she grew the practice to a staff of eight with enough cash flow to afford a very nice lifestyle. But the years had worn on Amanda. Stressors from the business started to layer on top of one another, and she soon realized she was losing the passion she had when she started the business two decades before. As the stress began to impact her health, she knew she needed a change, but didn’t know where to start.
Case studies are based on hypothetical situations, not on actual client interactions. The outcomes presented are not a promise or guarantee of similar results as actual client experiences will be unique to each clients' circumstances, as well as their own motivations, effort and discipline.Get Organized
Worthwhile achievements start with a plan.
Schedule a call today to get started on yours.
Complimentary Download
The 5 Step Retirement Income Plan
Retirement transitions are daunting for just about everyone.
Download The 5 Step Retirement Income Plan to learn how to navigate yours with confidence.
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