Our Retirement Planning Services Integrate
All Aspects of your Financial Life

A multigenerational family, including an elderly man and woman, a middle-aged man and woman, and two young children, gathered around looking at a photo album together in a cozy room.

Retirement Income Planning: Income strategies to help you make your money last.

Investment Management: Investments tailored to your goals and personal needs.

Tax Planning: Minimizing taxes to help you keep dollars in your pocket.

Insurance & Risk Management: We identify any gaps or overlaps in your coverage.

Estate & Legacy Planning: Safeguard your assets and create a lasting legacy.

Special Needs Planning: Implement a plan to care for your loved one.

How do we provide value in each of our planning areas?

    • Initial Assessment - We start by reviewing your current financial picture, including assets, liabilities, and expected expenses, to understand where you stand and what's possible.

    • Spending Guardrails - Together, we establish personalized guardrails that let you enjoy retirement while staying on track for long-term financial health.

    • Investment Portfolio Risk Analysis - Your investment strategy is aligned with your risk tolerance and retirement timeline, structured to support your income needs while preserving future flexibility.

    • Social Security Claiming Strategies - We'll evaluate your claiming options and help you find an approach that fits your long-term income plan.

    • Pension Optimization - If you're eligible for a pension, we'll review your options, including lump sum vs. monthly payout and survivor benefits, so you can make an informed choice.

    • Tax-Efficient Withdrawal Strategies - We'll structure your withdrawals with tax efficiency in mind, aiming to reduce your lifetime tax burden.

    • Planning for Medicare & Healthcare Costs - We'll help you anticipate and plan for healthcare expenses in retirement, including Medicare decisions.

    • Ongoing Monitoring & Adjustments - Life changes, and your plan should too. We'll regularly revisit your strategy to keep it aligned with your goals and circumstances.

    • Create an investment plan to fit your goals and risk tolerance

    • Diversify globally and across asset classes

    • Periodically rebalance and adjust your portfolio

    • Manage expenses, turnover, and taxes

    • Stay disciplined through market dips and swings

  • Our holistic insurance analysis will cover:

    • Property & Casualty Insurance

    • Life Insurance

    • Long-Term Care Insurance

    • Medical/Health Insurance

    • Disability Insurance

    • Tax Loss (or Gain) Harvesting

    • Roth Conversions

    • Retirement Plan Contributions

    • Qualified Charitable Distributions

    • Charitable Split-Interest Gifts

    • Tax-Efficient Withdrawals

  • We provide guidance and coordinate with your estate planning attorney on:

    • Wills

    • Powers of Attorney

    • Revocable Living Trusts

    • Irrevocable Trusts

    • Life Insurance Trusts

    • Charitable Trusts

    • Special Needs Trust

    • Special Needs Trust Structuring - We'll teach and help you work with your attorney to establish or review a special needs trust so your child can receive financial support without losing eligibility for government benefits.

    • Government Benefits Coordination - We'll evaluate how your planning decisions interact with Medicaid, SSI, and other benefits your child relies on.

    • Letter of Intent Guidance - We'll help you document your child's routines, preferences, and care needs so future caregivers have a clear roadmap to follow.

    • Guardianship & Legal Planning - We'll work alongside your attorney to make sure guardianship, powers of attorney, and other legal protections are properly in place.

    • Sibling & Caregiver Planning - We'll help you think through future caregiving roles and responsibilities, so expectations are clear and fair for the whole family.

    • Funding the Plan - We'll identify the right mix of savings, insurance, and other resources to fund your child's care over their lifetime.

 
 

What It Costs To Work Together

  • Our flagship service brings together ongoing retirement planning, tax planning, client education, and investment management. As your life changes, we update your financial plan to meet your new needs.

    • Assets Under Management (AUM): Our fees are based on the total value of the assets we manage on your behalf. Fees follow a tiered structure: each portion of your balance is charged at the rate for its corresponding bracket. The fee schedule is as follows:

      $0 – $500,000 = 1%
      $500,001 – $1,500,000 = .9%
      $1,500,001+ = 0.8%

    Before any work begins, we'll walk through your fee structure together and confirm it in writing.

  • If an ongoing relationship or full investment management isn't what you're looking for, we also offer standalone, one-time planning sessions.

    Pricing is a flat rate determined upfront based on how complex your situation is, how many financial topics need to be addressed, and how much work is involved in producing your recommendations.

    Standalone planning sessions generally range from $2,500 to $5,000.

    You'll never be hit with unexpected fees—we walk you through the cost in detail before any work starts. Curious which option fits your needs best? Let's set up a quick introductory call to find out.