Broker Check

Strategies for Individuals & Families – Pre-Retirement

STAGE 4: Retirement


  • Reassessing the budget
  • Managing and preserving wealth
  • Reducing financial obligations
  • Rethinking a mortgage
  • Updating insurance
  • Accelerating savings
  • Reassessing estate plans
  • Caring for aging parents
  • Setting up paperwork for the sale of a business
  • Reassessing emergency savings
  • Long-term care insurance
  • Knowing WIN-WIN - be aware of what is important now and what is important next


  • Financial Planning

    Serving our clients properly involves being there for the major and minor things in life. We help people just like you avoid making costly financial decisions. We consider your short, medium, and long-term goals and incorporate the steps needed to reach them in your financial plan. From buying your first house to saving for your children’s college years to planning your retirement, we cover you every step of the way.

  • Investment Management

    With thoughtful investment management, you potentially experience a less emotional ride while investing for the future. Planning your investment strategy isn’t a one-time practice. It is an ongoing balancing act between your goals and finding the right investments to help you achieve them. We ensure that your investments are properly diversified, allocated across multiple asset classes, and tax-efficient.

  • Retirement Planning

    Retirement planning is not as simple as those two words indicate. There are many layers to a comprehensive retirement plan. From assessing your current resources to determining when and how to take your social security benefits, we help you design the right strategy so you can enjoy a stress-free retirement. This strategy takes stock of your retirement income sources and can be used to provide you with a stream of income.

  • Estate Planning

    No one wants to think about the inevitable, but avoiding it can cause serious issues for your heirs. We work with your estate attorney (or help you find one) to ensure your assets are distributed according to your wishes and your legacy is preserved for the next generation. It is never too early or too late to develop a plan for your estate.

  • Tax Efficient Strategies

    The purpose of tax planning is to ensure that all your investments are positioned to minimize the taxes you pay to Uncle Sam. From organizing the timing and structure of withdrawals to tax-harvesting strategies for non-qualified investments, we work with you and your CPA to ensure that your wealth is not eroded by taxes.

  • Risk Management

    Risk comes in all shapes and sizes, and we all know that life can throw us a curveball from time to time. Managing the risk inherent to life is the best possible way to make unforeseen events less stressful. Providing for your family in the event of death, disability, or a major illness is imperative, as is managing long-term care costs without eroding your assets. Along with this, we position you so that in the event of legal action your assets won’t be unjustly be taken from you. Fortunately, these are risks our wealth advisors can help you work through with preparation and planning.

  • Long Term Care

    The cost of providing long-term care, whether in your own home, assisted living facilities, or a nursing home, can be catastrophic and can ultimately erode even the best of retirement plans. In addition to the emotional stress, these costs can impair a family’s financial security and legacy objectives. You need a plan. We identify your options, including the use of asset protection trusts, asset re-titling, gifting, and long-term care insurance.

    There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
    Asset allocation does not ensure a profit or protect against a loss.