Asset Management

We help guide you in balancing risk among all categories of risk including cash, stocks and real estate. Other “financial advisors” disguise a high-pressure sales pitch as a watered down financial plan. Our financial planning process helps you reach your financial goals, which take both money and planning to achieve.

Without reliable income, you can’t retire happy. The first step in determining when you can retire is knowing how you will replace your income with certainty. We educate our clients on the various types of retirement investments and annuity products, and help them carefully choose the most reliable and most efficient income-producing assets.

Some of us need more money, some of us want more. Once you’ve carefully selected retirement income products that, together with Social Security, create an income floor, the rest of your portfolio is appropriate for investment. We educate clients on how to invest these remaining dollars according to their values, need for growth and appetite for risk.

Having kids later in life means college bills during or leading up to retirement. We recognize that paying for college can be a retirement consideration, as well, for those parents planning both at the same time. Our approach to retirement income planning helps parents accurately forecast retirement expenses and know how much savings they need to hit their goals. Once your future is on its way to being fully funded, you can make a much better business decision on college and still retire on schedule. Plus, we have an in-house professional college admissions counselor to help your student get into the school that’s right for his or her goals and your budget.

Often overlooked is a final step to retirement income planning, long term care insurance. Self-insuring is a buzzword these days, but the average healthy couple will pay up to 6X less for the same care by purchasing the right LTC product. Today’s LTC products provide life-saving benefits when you need care OR, if you go out in a blaze of glory and never need the benefits, your estate gets the value of the policy tax-free. If you’ve written off LTC because of the cost or complexity, today’s products are worth another look to eliminate or mitigate a potentially HUGE retirement risk.

Without optimizing Social Security, you could be leaving thousands of dollars on the government’s table. Of course, you need to know when and how to claim Social Security as it relates to your retirement portfolio or other pensions. Mistakes can be permanent, so you don’t want to sign up and receive benefits without first doing some careful analysis.

Many topics we discuss require a detailed knowledge on the tax treatment of your retirement portfolio. For instance, how much of your Social Security will be taxed, what will you pay in capital gains tax on investments, should you convert an IRA to a ROTH IRA, and so on. We advise our clients on how best to enjoy their taxable and tax-deferred money.