Retirement planning

Achieving your dream of a secure, comfortable retirement requires building a financial plan and remaining disciplined in your saving. With so much at stake, it pays to take a step back and see whether your plan takes into account the major obstacles to retirement income adequacy.

When you take this big-picture view, there are two key risks, among others, that most retirees face:

  • Investment risk | The possibility that an actual return on investment will be lower than your expected return.

  • Longevity risk | The probability that you will outlive your savings. We’re living longer, healthier lives and retirements can last up to 30 years or more.
    *Use the Social Security Administration's life expectancy calculator to estimate your longevity.

We are kept from our goal not by obstacles but by a clear path to a lesser goal.
— Robert Brault

Getting from point a to point b

We'll work closely with you to — and — through your transition, guiding you along the best path to fulfilling your retirement goals.

First, we'll have a conversation about your most important priorities, the values that inspire you, and uncover your vision for retirement. 

Next, we'll agree on the areas that you would like us to review. We'll gather your financial data, analyze your current position, and design your retirement plan.

Lastly, we will suggest strategic recommendations and provide guided implementation of your plan. With our ongoing monitoring, we're always there for you to adjust your strategy when your personal situation changes or the markets shift.

Four Retirement cornerstone Questions


Am I investing properly for a comfortable retirement?

We will build a portfolio that aligns your assets with your lifestyle goals and expenses in retirement.


What will happen to my assets and family upon my death?

We can recommend estate planning strategies so your wealth doesn't end up in the wrong hands.


Will I be able to live my ideal retirement life?

 We'll create a dependable income plan that can support your lifestyle throughout retirement. 


How can I minimize taxes on my retirement income?

We take the time to analyze your Form1040 and portfolio —  uncovering ways to minimize taxes.


Optimizing Social Security Income (clickable):
Deciding when to take your Social Security can impact your retirement income plan. There are many combinations of Social Security claiming strategies and rules on benefits are complex. We can help you find the optimal strategy for maximizing your benefit.

client Benefits:

  • Individualized attention − you’ll feel like our only client

  • Tax-smart portfolios that include individual government, corporate, and municipal bonds as appropriate

  • Ongoing financial planning updates from a dedicated Certified Financial Planner™

  • Coordination with estate planning attorney & CPA

  • A cutting-edge Personal Financial Management (PFM) portal that links your scattered assets and keeps your cash flow-based financial plan in front of you


resources to help you transition

Retiree Healthcare 

Learn how to navigate the Medicare supplemental plan maze and tame retiree healthcare costs.

 Roth or Traditional?

Which IRA is right for you? Should you convert to a Roth? We’ll help you decide which one is better for you.

 Retiree Resources

Explore how Social Security works, learn about retirement tax strategies, heath care, fixed income strategies, and more...