Depending on where you are in your financial stage of life, you’ll want to talk with an experienced adviser about different things. As we describe our services, we categorize them in line with the financial stages you’ll experience during your life.
Accumulation, before you stop working
- You want to save up for big ticket items (cars, house, college, weddings,etc.) and for your retirement, or as I put it – ‘when you want to stop working‘
- We help you understand how much to save, investment trade-offs, and how to be tax efficient
Distribution, after you stop working
- You want to have a financial stress free time living off your financial nest egg/(s) with the lifestyle you want and never running out of money.
- We help you understand your retirement income budget, select investments, and create efficient withdrawal strategies.
Legacy Planning
- You want to take care of your family and charitable organizations when you pass away.
- We help you to integrate your financial strategies and accounts with your estate documents and help you minimize taxes on your estate.
Asset Protection
- You want to protect your assets and you are faced with the difficult choice to insure or go it alone.
- We help you create a well thought out, integrated, Asset Protection Plan.
Financial Planning for parents/children/grandchildren
- You want to help your parents/children/grandchildren with their finances when they get older
- We help you by providing advice and speaking with parents/children/grandchildren on your behalf
We only hold insurance licenses and are seasoned experts in all areas of planning. Our philosophy is to help you in the broadest context possible with the overall financial management of your money and seek help from other financial professional where and as needed.