Our Services

The Retirement Planning Process 

Retirement Income Planning 

• Develop a comprehensive retirement income plan to determine how long your money will last. 
• Provide strategies to potentially make cash flow last longer. 

 Investment Planning

• Develop a suitable asset allocation for retirement to reduce stock market risk and provide income. 

Personal Risk Management 

• Evaluate all life insurance, disability income, and long term care policies for suitability. 
• Recommend changes to save money or improve coverage. 

Estate Planning

• Evaluate beneficiary designations as well as all estate documents including wills, powers of attorney, health care directives, and trusts for suitability. 

Social Security Optimization

• Evaluate all filing strategies and determine the most suitable to optimize benefits. 
• Maximize benefits for surviving spouse. 

 Medicare Benefits 

• Review health insurance options to keep costs down. 
• Coordinate with Social Security and employer plan. 

 Pension Plans 

• Evaluate distribution alternatives from company plan. 
• Recommend optimal pension pay out. 

Qualified Retirement Plans

• Evaluate the benefits of consolidating company retirement plans utilizing rollover IRAs. 
• Coordinate required minimum distributions. 
• Determine if having a Roth IRA would be advantageous. 

 Non-Qualified Retirement Assets 

• Review employer stock plans and vesting schedules. 
• Review deferred compensation plan and recommend distribution options. 
• Review annuities for suitability and recommend how to improve benefits. 
• Conduct life insurance audit. Pinpoint ways to save money with lower cost policies. 
• Review investment accounts; consolidate where appropriate. 

 Distribution Strategy 

• Review account types: taxable, tax advantaged (tax-deferred/tax-free). 
• Develop a suitable distribution strategy to minimize taxes. 

 Tax Reduction Strategies

•  Review non-qualified accounts for tax losses; propose a plan to reduce taxes. 

 The Value Our Services Provide 

Objectivity is the key to our process. We offer a multitude of investment and insurance products from some of the largest insurance and investment management companies in the country. 

Would you like a second opinion on what you are paying for your financial products? Maybe we can lower your expenses or increase your benefits. If so, please call us today at 773-380-8533.