Financial planning is essential at every stage of your life. Comprehensive, holistic financial planning requires an understanding of who you are, what your values are, and what you want to achieve. When building your financial plan, we will discuss your goals, current investments and assets, and the timeline for retirement and legacy planning. We work hard to make sure that no area of your finances is left to chance.

Retirement planning is essential to the preservation of your hard-earned wealth. We can help you develop a plan that makes your money work for you as you transition from active to passive income. We explore all options, including annuities, to ensure that your retirement can be financially sustainable. Beginning 5 to 10 years before retirement, we can start to create an IRS-compliant retirement income plan which is designed to provide you with reliable income, regardless of how long you live or the state of the stock market.

You’ve worked hard to provide for your loved ones and spelling out your final wishes in an estate plan will ensure they are taken care of for generations to come. Whether you want to leave your legacy to family members, a favorite charity, or both, we can help you define your goals and get the documents you need in place. We’ll also ensure these documents stay up to date as your life changes. We leverage our knowledge about investments, legislation, insurance strategies and tax planning to help you create the most tax-advantageous estate and legacy plan possible.

As you approach and then enter retirement, protecting your accumulated retirement assets becomes paramount, along with generating reliable retirement income. We have many different types of annuities from multiple carriers which can help. From deferred annuities that you turn on as you approach retirement, to an immediate annuity for income that begins right away, we’ll help you weigh your options and determine your best approach.

Life insurance provides protection and peace of mind for you and your loved ones in the event of unexpected circumstances. While life insurance is typically used to cover end-of-life expenses and provide for your family when you are gone, there are also permanent life insurance policies that can be used while you’re still living. Permanent policies with cash value can fund college costs, provide lifelong insurance to children, and offer tax-advantaged retirement income. We will help you explore all your options and decide which plan best suits your lifestyle.

Your health is your greatest asset and being protected from skyrocketing medical costs is crucial. Navigating insurance documents with complex medical jargon can be extremely confusing and you may not always feel confident that you are getting the right coverage. We can discuss your unique medical needs and help you and your family identify the most comprehensive short or long-term medical, vision and/or dental coverage for you.

We work hard to make the complex benefit called Medicare simple for you as you approach the age of 65. We have expertise in all Medicare plans, including supplements, advantage, prescription, and even dental and vision plans. Because we work with more than 15 different Medicare Supplement carriers and multiple Medicare Advantage plan carriers, we can compare them to find the best plan and premium level that’s right for you. It’s important for you to know that Medicare is not free and is NOT a substitute for long term care. Let us help you with Medicare and long-term care planning as part of your comprehensive retirement plan.