Services

We’ve carefully crafted the focus of our business to help you achieve the retirement you want. Our services are tailored to fit your unique goals, supporting you on your path to success.
FREE SERVICES
RISK REVIEW
It all starts here and it’s free with no obligation. The first step is to answer a 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains. Then we’ll pinpoint your exact Risk Number to guide your decision-making process. We’ve found that it’s crucial to focus on the risk you’re taking when planning for and managing retirement income. We use Riskalyze to identify your acceptable levels of risk. Through using this tool, we ensure that your portfolio correctly aligns with your investment goals and expectations.
CORE RETIREMENT SERVICES
RETIREMENT INCOME PLAN
How do you spend what you’ve accumulated, leave something behind as a legacy, if that’s your wish, and do it all without running out of money, or paying too much in taxes and insurance? Our comprehensive retirement plan includes projections for retirement, which vehicles to use, and how much you need to save.

Retirement income planning and distribution management adds another dimension to your overall financial plan, where income planning can help you make the most of your assets. We’ll help you devise a plan to dynamically withdraw from investments during retirement and manage this on an on-going basis while coordinating myriad tax, pension, and Social Security options. It’s what we do best.
CUSTOM INVESTMENT MANAGEMENT
We’ve found that managing investments in today’s volatile markets requires special skills, especially when it’s your retirement money, and therefore irreplaceable. Overall, we favor lower-cost and tax-efficient investments, broad asset class diversification, and careful management of taxes and expenses.

In addition to this, we offer investments specialized for retirees, such as individual bond portfolios, options income strategies, and the ability to “insure” the withdrawal base of a portion of your investment. Each strategy is tailored to you, taking into account all available resources. Your existing accounts, legacy positions, company stock, and inherited securities don’t always fit neatly into a pre-defined model. We clarify your circumstances from the outset to build a strategy around them, customizing each portfolio to your individual needs.
SPECIALIZED SERVICES
SOCIAL SECURITY ANALYSIS
Many factors affect the decision of when to file for Social Security benefits, including health, personal financial considerations, and employment status. Being flexible on starting benefits could significantly increase lifetime retirement benefits. We’ll analyze all of your possible strategies and provide you with a written step-by-step strategy for maximizing your Social Security benefits.
PENSION ROLLOVER ANALYSIS
Near-retirees often face the issue of whether to opt for a monthly pension, or take a lump-sum distribution and rollover the amount tax-free to an IRA, avoiding immediate taxation and early withdrawal penalties. Under many investment scenarios, you may have more retirement income and leave more to your heirs by taking a lump-sum distribution (a rollover). Pensions vary significantly by industry and company and some have really great features like inflation adjustments. We’ll review your pension rollover options and provide a written analysis on what we believe is the better financial value.
RETIREMENT SAVINGS PLAN
This basic financial plan includes projections for retirement, which vehicles to use, and how much you need to save. Creating future retirement projections is easy, and calculators exist just for this purpose. If an online projection doesn’t fit your needs, we can create a basic financial plan to help make things as clear and easy for you as possible.
TAILOR-MADE
Our services will be tailored specifically to suit your individual needs. Download a copy of our current services fees and information here.
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