This is your information page if you are within 10 years of retirement and are looking for advanced financial planning strategies. You might be looking for help with:
Managing the sale of your business (self-employed)
Tax Diversification
Consolidating your Employer Retirement Plan
Updating or creating your estate plan
Retirement Income Planning
Social Security Optimization
FAQ
Why should I partner with you?
As you near retirement, there are so many decisions that will need to be made. How will you pay for health care? When should you start Social Security? If you have an employer retirement plan, how should you access those funds? If you have a pension, what is the best way to set up those payments? How can you plan for a long term medical event? How can you be sure you have enough saved to retire? What is the most tax efficient way to align my investments with my goals?
When you partner with us, we will help you with the answers to all these questions and can help you anticipate potential issues and ensure you are ready to handle them.
I already have a sizeable retirement account through my employer, do I really need your help?
Congratulations on saving early!
Employer retirement plans typically do not come with a comprehensive wealth advisor. You may have a point of contact for questions, they might not be able to create a financial plan for you as you move into retirement. When you partner with us, we make sure your account is sufficient to fund the retirement you planned on and that you are prepared to handle unexpected life events. It’s best to get these answers upfront rather than wait until you’re in retirement to realize your plans are not fully funded.
I have been managing my own investments for years, why would I need your help to retire?
Retiring is something most people only do once. There are a lot of decisions to be made beyond just portfolio allocation. There is long term financial planning, tax planning, protection questions, estate planning and much more that goes into retirement. Going into this new phase with a professional can help you avoid costly mistakes.
I don't plan to have a fancy retirement, I just want to spend time with family. If I don't need a lot of money, do I need your help?
That’s wonderful that you plan to be with your family! However, if you do not properly financially prepare for retirement and potential health and life events, you can quickly become a burden on your family. Even if you expect low retirement cost of living, having a financial plan in place that can withstand unexpected life and market events is an invaluable gift to your loved ones. Also, persistent inflation always needs to be planned for in advance.
What Questions Should I Ask You?
If you've never partnered with an Advisor before, you might be wondering what information you should consider as you make your decision.
How will you partner with my tax team (CPA, estate planning attorney, etc.)?
How do I check on your compliance history with the regulatory bodies?
How often will you connect with me throughout the year?
What fees do you charge?
How do you protect my information?
How quickly will you respond to me when I have a question?
