Achieving your dream of a secure, comfortable retirement takes proper planning and commitment. Today's retirees are faced with, among others, two key risks:
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 will spend more time in retirement than our parents did.
Our approach provides you with the guidance you need to add clarity to your financial future. Partnering with you and best-in-class experts, we bring together all the facets of your financial life, ensuring that the four cornerstones of a smart wealth management strategy — asset management, estate planning, retirement planning, and tax planning — are working in harmony so you can get the most out of your retirement life.
Some of the important retirement questions we can help you answer are:
Am I investing properly for a comfortable retirement?
Determining a proper asset allocation is critical and it should reflect the goals you are trying to attain as well as your tolerance for risk. With access to more than 12,000 investment options, the flexibility of an open architecture platform allows us to build an extraordinarily competitive investment portfolio for both growth and protection.
What will happen to my assets upon my death?
You want to create a lasting legacy for the people and causes that you care about. With smart, holistic planning, we can help ensure that your wealth passes as you want it to and a significant portion doesn't end up in the hands of unintended heirs or go to the government.
Will I have enough money to live my ideal retirement life?
Retirement planning has two phases: accumulation and actual retirement. During the accumulation phase, we help clients in setting goals and implementing financial strategies to achieve them. Our retired clients rely on our ongoing expert advice so they can continue to enjoy the lifestyle they’ve earned.
Social Security maximization strategies: There are many combinations of Social Security claiming strategies and rules on benefits are complex. We can help you avoid making a filing mistake that could end up costing you thousands of dollars annually for the rest of your retirement life.
How can I minimize taxes on my retirement income?
Taxes can generally be one of your larger expenses in retirement. We help you take advantage of tax avoidance strategies by reviewing your tax returns and implementing smart, tax efficient strategies, such as placing higher-yielding taxable assets in tax-deferred IRA accounts.
The better we understand you, the better advice we can give
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. Learn more >>