Financial Planning

Our financial planning services take a holistic view of your financial picture. Even though we specialize in retirement planning and retirement income planning, we know that this aspect of your financial life encompasses many other components.
In the first phase of the retirement planning process, we often discuss other financial topics, such as:
  • Financial position & net worth review
  • Cash flow analysis
  • Insurance & employee benefits planning
  • Education funding
  • Debt reduction
  • Investment planning
  • Estate planning
  • Tax planning
  • Long-term care planning
  • Legacy planning
  • Wealth transfer

Wealth Management

Through decades of experience working with retirees, we’ve developed a helpful framework for generating retirement income.
Our “4 Buckets” retirement income framework has practical and psychological implications.  Far too often retirees view their retirement savings as one big portfolio with a singular purpose and risk-level (often a 60/40 stock and bond allocation). When this happens, portfolio expectations are usually misaligned and retirement income suffers as a result.