We help individuals and companies, and our services are exclusively tailored to each. The confidence that our clients place in us is something we take seriously. We approach retirement planning from the idea of using informative and enjoyable conversations about your life or job situation, hopes, and dreams to see where you are now and where you want to be in the years to come.
For individuals, we use the Asset-Cycle Portfolio System® in financial planning, which is an income strategy that provides clear and understandable illustrations about your financial plan. This helps with easy comprehension of the planning concepts and what’s being recommended to you. Your individual circumstances will determine the possible need for the services we offer, as well as the possibility for additional planning strategies. We can help you with the following:
Social Security maximization analysis – We’ll perform a comprehensive review of the many combinations of Social Security election strategies and provide clients with an action plan that outlines the most efficient way to maximize their Social Security income.
Pension maximization analysis – Options are considered to determine the most practical recommendation for maximizing your pension income based upon your individual circumstances.
Income replacement needs assessment – We’ll look at scenarios to help determine how long your retirement income will last under certain conditions.
Long-term care, cost-benefit analysis – We believe it’s important to consider long-term care in a retirement plan. Recommendations and direction are given for considering long-term care coverage accompanied with an outline of the most competitive policies in the industry and their benefits and provisions.
Legacy review -- When you pass away, how will your money be allocated? We’ll conduct a beneficiary review and discuss passing assets on to heirs, including how to minimize taxes and fees and maximizing the amounts you’d like to give to loved ones and charities.
We can also help with income-distribution strategies; an independent, objective analysis of your existing portfolio; Roth IRA conversion analysis; a review of your life insurance policies; income-tax reduction analysis; and a multigenerational qualified disbursement review, which involves considering the impact of stretching out qualified accounts.
Regardless of company size, business owners are often faced with challenges. When we work with companies, we can help with some of those challenges. One simple goal we have is to provide a meaningful benefit package to attract and keep employees, as well as to minimize personal tax burdens on their income and retirement plans. This requires a sharp understanding of the IRS code, in addition to adherence to Department of Labor rules and regulations.
We strive to address the needs and goals of every business owner by offering a comprehensive range of services and staying up-to-date on industry regulations. Your company circumstances will determine the possible need for the services listed below, as well as the possibility for additional planning strategies.
- Executive bonus plans and Employee Stock Ownership Plan (ESOP) exit strategies
- Succession and financial estate planning
- Tax reduction
- Current plan investment review
- Death/Disability ramification study
We can also assist with an analysis of your defined contribution plan, a fully insured defined-benefit plan, review your fiduciary liability, and perform a 401(k) check to see if you’re in the best position to be retirement ready. We are here to help you work toward meeting your financial goals and can address financial strengths and weaknesses while recommending how to build on your company’s financial strengths.
If there’s anything not listed above, please don’t hesitate to call and ask. We look forward to helping you stay on track and manage the changes stages of your business.