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Managing Wealth in the Golden Years

You’ve worked hard to arrive at this time in your life, and you’ve earned every moment. With your years in the workforce over, it’s time to make your money work for you.

For those who are retired or thinking of retiring, Financial Planning can maximize income longevity and plan for the next generation, ensuring that you enjoy your golden years and protect the wealth you’ve worked your life to build.

Financial Planning for Soon to Retire and Retired People

Investment Choices: Together we can target an asset allocation that meets your needs and risk aversion.

Estate Planning: You’ve worked your entire life to build your wealth, and now you’re thinking about the next generation. Work with us to create an Estate Plan that protects your wealth and reflects your wishes.

Wealth Management: Retirement is meant to enjoy, but you sometimes ask yourself, “Will I live beyond my savings?” With a well-crafted wealth management strategy, you can protect and grow your savings, and make sure your investment earnings enhance your fixed income for years to come.

How It Works

Your package includes a personalized, comprehensive financial plan that is the byproduct of several working meetings in which we will get to know you and your goals. Also included are two 3 and 9 month check-ups to make sure that you are on track and that your financial plan is working for you. We will then leverage this information to create an integrated financial plan that will serve as a blueprint in achieving your goals and meeting your needs.

Together, we will work to understand your lifetime goals and retirement income requirements. We will discuss your desired family involvement, determine the legacy you are planning for and analyze cash flow, savings debt, insurance, employer benefits, tax saving opportunities and estate plans.

Your Plan Will

  • Provide an overview of where you stand financially, and how your spending patterns may change in the coming years.
  • Redefine spending and saving goals based on your priorities, including:
    • Conduct a complete asset review and build a drawdown schedule that will meet new spending needs using existing assets.
    • Allocate investments in the best way to support the drawdown schedule.
    • Outline giving goals and the most tax-efficient way to reach them.
    • Automate and consolidate where possible to give you more time to enjoy.
  • Review credit regularly for security and fraud prevention purposes.
  • Ensure your insurance protection has kept pace with your needs.
  • Teach you critical tax saving strategies.
  • Prepare an estate plan to minimize taxes and ensure that your custodial, financial and medical wishes are carried out.
  • Create a plan to bring in family members to review estate plans, ensure your wishes are carried out and discuss wealth transfer for family wealth management.
  • Create a checklist that will help you review and update beneficiaries.
  • Improve your financial literacy.