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Clients We Serve

APPROACHING RETIREMENT AND RETIREES

APPROACHING RETIREMENT AND RETIREES

You have dreams and big ideas and you’ll FINALLY have time to do them! You are starting something new. We provide advice for people like you. We know retirement is a lifestyle change so we’ll show you how to manage the assets you’ve saved over the years. Our reputation is built on working with people who want to make the most of their lives at every age. You’ve built your nest egg over time. You’ve earned the right to enjoy the rewards of your life’s effort. Let us show you how. That’s what we do and we do it well.

We can help you:

  • Determine the optimal age to retire
  • Analyze your social security options
  • Help you make sure you don’t run out of money before you run out of heartbeats
  • Work with you to achieve your charitable giving goals
  • Leave a legacy for your heirs
  • Structure a tax efficient income stream
  • Pension payout options: making the right choice
  • Healthcare and Long-term care Planning
DEALING WITH GRIEF

DEALING WITH GRIEF

The passing of a spouse or a loved one is one of life’s most traumatic events. When this happens, evaluating your finances may take a back seat to more pressing concerns. But even amid the grief that accompanies the passing of a loved one, it is important to assess your financial situation. You’ll want to avoid making rash decisions in the days and months following your loss to ensure that you and your family have the resources you need for the future. We can provide good financial advice to be able to help you navigate this difficult time. Your success in adjusting to the death of your spouse depends on a variety of factors, including:

  • The age at which you are widowed,
  • The age and number of dependents,
  • Your financial circumstances, and
  • Your investment experience.

To help you manage this difficult life change, we can help you build a plan. This plan will include giving you a roadmap of your financial situation, helping you compile a list of important legal and financial documents such as the will, marriage and death certificates, Social Security numbers, insurance policies, pensions, 401(k)s, bank statements, etc. We work collaboratively with your trusted advisors including your minister, CPA and attorney. Finally, we recommend taking care of you. Such a profound loss does not mean that you can’t build a meaningful life. With financial security, you can embrace exciting, new opportunities and create a rich and rewarding future. Call us whenever you are ready so we can help you during this difficult transition.

FAMILIES WITH A SPECIAL CARE MEMBER

Special care financial planning is different. There really is not a one-size fits all financial plan because there are just too many variables to consider. Give us a call so that we can list all your variables, discuss your options, and then build an informed – and personalized – financial plan for you and your entire family. We look forward to helping you in any way we can.

Some questions we can answer in conjunction with your doctor, social worker and estate attorney:

  • What is an ABLE account and does it make sense for our situation?
  • Do I need a Letter of intent?
  • Should I name my special care loved one as a beneficiary of my life insurance policy or retirement account?
  • How can I keep my loved one from being disqualified for Supplemental Security
  • Income or Medicaid at all ages?


SUDDENLY (OR SOON TO BE) SINGLE

SUDDENLY (OR SOON TO BE) SINGLE

Caught up in the emotional turmoil that usually accompanies divorce, it is easy for estranged couples to overlook the serious financial issues that arise as they seek to divide up their assets and establish independent lives. But even in the midst of fraught divorce proceedings, it is important to consider the financial implications of property division, custody arrangements, and child and spousal support agreements. Even divorces that are relatively straightforward and amicable can be surprisingly complicated when it comes to dividing assets. If you are preparing to divorce, call us for advice.

We can help you:

  • Understand the short-term and long term effects of dividing property
  • Analyze pensions and retirement plans
  • Determine if you can afford the marital home and if not, what you can afford
  • Recognize the tax consequences of different settlement proposals
SUDDENLY WEALTHY

SUDDENLY WEALTHY

Sudden wealth can come from many different avenues. You may have been notified that you will be receiving an inheritance, just won the Mega Millions, or settled a lawsuit. Perhaps you sold the gaming program you wrote for a large sum of money or you just signed a lucrative contract with your employer. We have had over two decades of experience working with sudden wealth recipients. We know how to navigate what works and what does not work. You have an amazing opportunity to create a better life for yourself and others. We want to be a part of your team that keeps you focused on the long term.

You may have questions concerning:

  • Asset protection
  • Tax Efficiency
  • Help making decisions regarding purchase of non-financial assets such residences, vehicles or jewelry.
  • Request from friends and family
  • Philanthropy
  • Investments and insurance
  • Sustaining your new found wealth

JUST STARTING YOUR WEALTH BUILDING JOURNEY

Congratulations, you are part of the world’s fastest-growing and broadest wealth segment. You are most likely humble and generous while valuing your personal time. Enhancing your quality of life drives most of your financial decision-making. The challenge of juggling work demands, while nurturing family and other relationships may leave you with little time to focus on your personal finances. Your earnings are above average and you have established a comfortable lifestyle. You want to be able to track all of your income and expenses get more serious about your personal finances. We can help you with your financial website, literally in the palm of your hand, whenever you want, from wherever you are. We make your life easier by providing unique services for staying organized, updated and prepared.

We can help you:

  • Establish a personal financial plan that tracks spending, budgeting, and investments
  • Plan for paying for higher education expenses and explain the benefits of a 529
  • College Savings Plan
  • Achieve early retirement
  • Maximize your employer retirement saving plans, take advantage of the company match and to invest responsibly, even socially responsibly
  • Run an insurance coverage analysis
  • Learn about additional opportunities to save on taxes


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