Our Services

Retirement Planning

Retirement Planning is important no matter what stage of life you are in. As a Chartered Retirement Planning Counselor^®, I have additional training from the College for Financial Planning to help guide you to and through retirement. If you find yourself in one of the situations below and want help, contact me today for a complimentary financial review.

Graduate/Entering Workforce

Time is on your side at this stage of your life. During this phase of life, it is often hard to balance paying down debt, contributing to a retirement account and often starting a family. Working with an advisor will help develop a plan that can help with all the changes in life that you are experiencing.

Mid-Career

Often at this point in life we see that individuals have changed jobs, moved or started a family. An advisor can help you determine what to do with those old retirement plans (leave them, roll them or distribute them), determine if you are adequately covered for unforeseen death or disability and plan for your children’s college.

Late Career

You can almost see retirement at this stage in your career. Now the questions start. Do I have enough money to retire? Do I still need as much life insurance? What about Long Term Care insurance? Where will my paycheck come from when I retire? These are all questions that we can help you understand.

Retirement

Congratulations, you did it! Now what? Common questions at this stage are: How will these choices effect my spouse/survivors? Do I still need a plan since I’m not a long-term investor anymore? What is a required minimum distribution? How does my retirement income effect my taxes? Considering many people live as long in retirement as their working careers lasted, we still have planning to do. We can help determine when you should turn on your social security benefits and where to supplement your retirement income from. An advisor can also help you understand how and when to take your required minimum distributions.

Education Planning

Education costs continue to rise at alarming rates each year. The cost of a four-year degree 18-years from now will likely be staggering. There are several tools for education planning and the benefits of these differ greatly based on how the accounts are set up.

Parents

New parents are often faced with paying for their own college debt, covering monthly expenses as well as doing what is best for their pride and joy. Education plans can vary. Some plans will allow you to get a tax break on contributions and use them for elementary education while other plans are specifically for college. It is important to look at your full financial picture before making the decision to contribute to an education plan.

Grandparents

Grandparents are in a unique situation when it comes to education planning. They often will not have the same financial burdens as the new parents and can afford to contribute to these types of savings plans. Depending on the age of the grandparents, they may be required to pull money from their retirement accounts annually, often not needing the funds. They usually are not aware of being able to reinvest these funds into an account that could leave a legacy for their grandchild to get a higher education.

Life Planning

Life planning encompasses so much more than the typical basic financial plan. Evaluating and implementing the various insurance needs is just as important as having a retirement plan. The common insurance needs that often are overlooked are long term care, disability, and supplemental life. I will review these specific areas as part of your complimentary financial review. I believe everyone has their own specific needs and fears when it comes to financial/life planning.

Other Services:

Business Retirement Plans Consulting
Financial Planning
Fixed Income Services
Financial Planning
Retirement Income Planning