Our Services

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only income from social security and investments to support them. That’s a scary and very realistic thought.

That’s why we make income planning our top priority at our firm.  We help our clients establish a solid income plan to last as long as they do. Even if that means they live to be 120 or older!
If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create an income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.

Your retirement account can be among your most substantial assets. Unfortunately, the chances are high that you haven’t been actively managing your account. The 401(k) Optimizer®️ can help guide your investment decisions and help you prepare for your future.

The 401(k) Optimizer®️ is a web-based tool designed to help you manage your company-sponsored retirement plan. We use your answers to our simple risk tolerance questionnaire and your ideal, long-term goals to identify recommended account asset allocations that fit your account needs based on what is available in your plan.

Click Here to sign up!

Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.

Here are four things you can do with the money in your employer sponsored retirement plan:

• Leave the money where it is
• Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
• Transfer the money to another employer-sponsored plan (if the plan allows)
• Roll the money over to a self-directed IRA

Let us help you determine if a rollover is the right move for you!

Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.

Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.

You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservation of your retirement assets. That doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years.

Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!

We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.

Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?
​
We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss.

Have you ever considered the difference between working with an independent agent versus a captive one? Independent agents generally work with multiple insurance companies whereas a captive agent only works for one. You may be wondering,”Why does that matter?”

If your agent is captive and works for Company A, do you think he or she will let you know if Company B is offering a better rate for you? If they did, they probably wouldn’t be working for Company A much longer.

Independent agents have no obligation to use one insurance company over another. This means they browse the various plans offered from all the different insurance companies they work with to find the plan that best fits your needs.

Let us be your Independent Agent, Click here for a quote.

Recent data from the Federal Reserve Bank of New York shows the overall student loan debt in America is now well over a TRILLION dollars! Planning for your child’s college can be complicated. There are so many variables to consider: When should I start saving? What type of account should I use? What happens to the funds if if my child doesn’t go to college?

We can help you answer all these questions and more.