Retirement Planning Video

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We provide goal-based financial planning services.  While reports are typically produced, planning is best thought of as a process rather than as a product.

People typically want to know if they are on track and will have enough resources to meet their needs and, hopefully, many of their wants.  We deploy state-of-the-art tools to address these important questions.  For many clients we re-visit the issue annually with plan updates so as to minimize the possibility of unpleasant financial circumstances down the road.

Specific financial planning services are as agreed, but often include some or all of the following:

  • Balance sheets (net worth statements) provided on a semi-annual or annual basis
  • Capital needs analysis (death planning)
  • Cash flow statements
  • Education funding projections
  • Estate planning facilitation
  • Financial independence projections (including stress-testing through historical rolling periods and "Beyond Monte Carlo" simulations)
  • Long-term care insurance need evaluation
  • Referrals to other professionals
  • Review sessions (typically semi-annual)
Social Security

Social Security decisions are far more important than many realize.  Thoughtful, informed decisions can make a significant difference even for those not dependent on Social Security.

It is a huge help to have the right tools.  We have the tools to help you understand the implications of various options.  The most complex area of Social Security planning involves spousal planning.

While our tools showing the numbers paint compelling pictures, we also understand there are variables beyond numbers such as health and specific time-related goals.

Our expertise regarding Social Security is one of many reasons to use our services.

Estate Planning

Acquired wealth provides opportunities, but also presents specific challenges.  Estates can be endangered by confiscatory taxes.  Often estates are larger and/or more vulnerable than people realize.  The complexity of the law provides traps for those who fail to plan.  However, there are alternatives.  We alert people to issues and opportunities.  With the help of  estate planning attorneys, we provide solutions.  The primary purpose of estate planning is meeting objectives.  The secondary purpose is tax savings.  With our help, clients have the assurance their assets will go where they want at their death.

Long-Term Care Insurance

For many Seniors, their largest financial risk is their potential need for long-term care. People are living longer and almost half of those over 65 will probably need long-term care at some point.  We help people explore alternatives to address this potential need, including Long-Term Care insurance products.

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