How We Help

Services and strategies designed to create income, reduce risk and leave a legacy

5-Star Freedom Retirement Plan

Retirement should be life’s most liberating chapter. By focusing on these pillars, our 5-Star Freedom Retirement Plan helps enhance your lifestyle, eliminate uncertainty and achieve financial independence.

Freedom of Income

Build income without depleting your principal.

Freedom from Excessive Taxation

Create a more tax-efficient income distribution.

Freedom from Burden

Leave money behind on your terms with proper estate planning.

Freedom from Risk

Reduce unnecessary risk while achieving returns that help maintain your lifestyle.

Freedom to Make Memories

Spend with confidence to create truly unforgettable experiences.

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Full Suite of Services

We’re independent, so we can help you develop your custom financial strategy from a wide array of products, services and approaches. We can help meet your specific financial needs, no matter how close you are to retirement.

Retirement Income Strategies

Unlike the working years, when you’ve likely drawn a regular paycheck, at retirement it’s time to pay yourself. Are you ready to tap into your savings in a strategic way so that you continue to create an income stream you won’t outlive? We can help.

Wealth Management

We offer a suite of services to affluent clients who are looking for a holistic approach to their financial future, all in one place. We’ll help you with comprehensive guidance to help reach the goals and dreams you’ve been envisioning.

Annuities

Annuities are financial tools that can help you create a stream of income that you can’t outlive. But today’s annuities aren’t like those of your parents or grandparents. There are many ways to tailor annuities to fit your needs. We’ll help you compare your options.

Investments

Whether you prefer to “set it and forget it,” or you want to more actively participate in your investments, we can help you design an investment strategy that matches your risk tolerance and goals. And we know that risk tolerance changes as life happens — so we plan for that, too.

IRA/401(k) Rollovers

We can help you evaluate your current IRAs and 401(k)s to determine if a rollover is appropriate for your situation. Whether you’re looking to access the tax-advantaged options a Roth IRA provides, to consolidate accounts or to explore other savings avenues, we can help.

Asset Preservation Strategies

We keep our eyes on the horizon so you can enjoy your retirement. We’ll design a strategy to help you minimize risk, including the risks of market loss, inflation or liquidity (not having cash accessible when you need it).

Life Insurance

Life insurance can play an important role in an overall financial strategy — both to protect yourself and your loved ones should the unthinkable happen and in some cases to help preserve your assets for future generations.

Tax-Efficient Strategies

Taxes can take a bigger bite out of your retirement income — or your legacy — than you may be expecting. We can help you develop tax-efficient strategies that fit your overall financial plan, so more of your hard-earned dollars go to you and your loved ones.

IRA Legacy Planning

How you approach your financial planning today defines what your legacy to your loved ones will look like after you’re gone. We can help you understand and employ strategies to help ensure your assets are passed to those people or causes you love.

Long-Term Care Strategies

For retirees, outliving good health can be both a mental and financial blow. Accounting for future long-term care needs not only lifts a weight off your shoulders today but can help your loved ones breathe a sigh of relief down the road.

Frequently Asked Questions

I’m worried about the market. What should I do?

The first thing is to understand how much you can lose and maintain your lifestyle. The second is to find out if your current investments can possibly lose that much in the next market downturn by doing a risk and history analysis.

How can I make sure my money doesn’t run out?

There are a lot of factors that can cause someone to run out of money in retirement. Inflation, taxes, health care, lifestyle and regular living expenses are all contributors. Creating a plan for income, as well as knowing which account to draw from, is crucial.

Can I invest in a way that cuts my taxes?

YES! It isn’t just about the investments you use; it is the financial tools that are available to you to use to make things more efficient.

Are taxes a major expense for retirees?

One of the biggest expense surprises to those in retirement is taxes. Most haven’t had to plan around taxes since their taxes were taken out of their paychecks automatically.

How do my investments work with my financial plan?

In retirement, your investments most likely will have to provide you some income. That means they should work with your distributions, taxes and, most importantly, the right risk.

Do I have enough money to last through my retirement?

The first step to finding out is creating a retirement plan that examines your current situation and then looks at several scenarios for your wealth.

Take the Next Step

It’s never too early — or too late — to take control of your financial future so you can enjoy life on your terms. Get started today by scheduling a meeting or registering for an upcoming event.

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