Ideally, proactive retirement planning should begin early in life and serve as a fundamental “blueprint” toward one’s life-long financial security. Unfortunately, we see some individuals who start saving too late and missing out of some of the exponential benefits of the “time value of money” that can multiply savings in the future. For these individuals, our focus is to help our clients understand if and when they can comfortably retire in the lifestyle they choose; how and how much to save; how to structure their portfolios at different periods of their lives; how to avoid outliving their resources; and how to minimize taxes. Importantly, we know that life is happening even as one prepares for retirement, so we assist them with objectives that precede retirement, such as buying a home (or second home), paying for college, or taking special vacations. And when they do retire, we help them optimize social security and pension accounts, health care choices, retirement withdrawal strategies, all while assuring they are protected in the event of unanticipated risks or health crises.
We also work with higher net worth individuals who hire us to not only manage their investment portfolio, but implement tax-efficient retirement withdrawal strategies, assist with ongoing tax planning, assure their estate planning and charitable intentions are incorporated into the planning process, and even work with their children and families so all are aligned.