Worried that your financial strategy is Missing Something?


We’re here to help you feel confident in your financial future.

To help you make the most of your retirement income goals, we walk you through our Prescient Retirement Income PlanningSM Process — and then develop a financial strategy just for you.

Our Prescient Retirement Income PlanningSM Process

It is naïve to believe one can immediately convert an accumulation-based investment portfolio into a tax-efficient income stream that will last a lifetime. Our process focuses on transitioning from asset accumulation to creating a sustainable livelihood in retirement. This requires specialized planning that should ideally begin years in advance of retirement. It is important to choose an advisor with credentials and competence in this area, such as someone who focuses on retirement income planning.

PRESCIENT RETIREMENT INCOME PLANNINGSM EVALUATES THE FOLLOWING AREAS OF CONCERN:

  • Risk of outliving financial resources
  • Risks associated with aging
  • Investment risks
    • Market risk
    • Interest rate risk
    • Liquidity risk
    • Sequence of returns risk
  • Tax risk
  • Work / forced retirement risk
  • Family / loss of spouse risk
  • Estate planning risks

In the process, we conduct a detailed Social Security analysis to help optimize this very important life-long, inflation-adjusted income stream from the perspective of both spouses. We then import this optimized Social Security cash flow and input all investment details and retirement spending goals into our income planning software. The software runs hundreds of scenarios attempting to minimize taxation and optimize withdrawal sequences for portfolio longevity.

The detailed output reveals how long the retirement income stream should last based upon different capital market assumptions. When there is a shortfall, the software can analyze the most efficient way to compensate for the shortfall, whether by delaying retirement, reducing spending goals, repositioning investment assets, accumulating additional savings or combinations thereof. This is just the beginning, as the retirement income plan is dynamic and should be regularly reviewed throughout retirement.

We offer services in these three areas:

Grow

Prepare for retirement by putting your hard-earned assets to work.

How?

Retirement Income Strategies
Wealth Management
Annuities
Investments
IRA/401(k) Rollovers

Preserve

Protect the assets that can help you live the retirement you’ve always imagined.

How?

Asset Protection
Life Insurance
Tax-Efficient Strategies
Long-Term Care Strategies

Give

Provide for the people and causes you care about the most.

How?

IRA legacy planning

We can also refer you to professionals who provide the following services:

Trusts
Probate
Charitable Giving
Estate Planning
Tax Planning
 

Ready to Take The Next Step?

For more information about any of the products and services listed here, schedule a meeting today or register to attend a seminar.

Or give us a call at 713.800.0334

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