Many people greet retirement with a mix of excitement and anxiety. The thought of no longer getting a paycheck can be scary, no matter how much you’ve saved.  And you have a lot of questions: When should I start Social Security?  How should my savings be invested?  What’s a safe withdrawal rate in retirement?  What if we have a recession?  How much will health care cost?  We create financial plans that help answer these questions and many others you may have at this time in your life so you can focus on enjoying your retirement.





  • Tax Management

    Retirement often brings change both in income and expenses.  You will no longer receive a payroll check, and your employer will no longer be doing tax withholding for you.  How will your tax situation change in retirement?  How is Social Security taxed? What tax-efficient income strategies are appropriate for you?  A tax bill is never a good surprise.  Let us help you plan ahead to help avoid a tax surprise.

  • Healthcare Expense

    According to the HealthView Insights 2015 Retirement Healthcare Cost Data Report, a couple retiring in 2015 can expect to pay roughly $400,000 for health care over a 30-year retirement.  Just prior to turning age 65, if you are no longer working, you must sign up for Medicare.  You must also make choices regarding the type and amount of supplemental health insurance coverage to carry. Medicare does not, with a very small exception, cover long term care expenses, so what are your options for covering theses expenses if/when they arise?  If you have waited until retirement to purchase long term care insurance, it may not be affordable. Through our affiliation with CES Insurance Agency, we help clients identify, understand, and compare various options for Long Term Care coverage, offering clients fixed insurance products and services as requested.

  • Exiting Your Small Business

    You have worked hard in your business; now, it’s time for your business to work hard for you.  Every business has unique things about it that affect its value and how it can be successfully transitioned to a buyer.  As with most financial matters, the sooner you begin to think about and plan for sale of your business or business interest, the more options you will have and the more likely you will be to get a sales price that will support your retirement goals.  We work closely with your business valuation experts, accountants, and attorneys to help illustrate the impact that various exit strategies could have on all of your financial planning goals.

  • Legacy Planning

    Estate planning often takes on a new dimension in retirement, and that’s planning for the legacy you wish to leave at your death.  Whether your legacy goals focus on your family, charities, or both, we can help you identify ways to maximize the gifts you leave and ensure your gifts are used for the purposes you intend.  We work closely with you and your estate planning attorney to help ensure your wishes can be carried out as planned.

  • Investment Management

    Asset allocation is always important, but is especially crucial in the window of time that extends from about three years prior to retirement to about three years after retirement.  Investment losses occurring within this window impact your portfolio’s ability to generate the income and investment growth necessary to meet your retirement cash flow needs.

  • Retirement Cash Flow and Income Planning

    You will have lots of questions as you begin to think about retirement.  When should you start receiving social security? What level of spending will your retirement savings support?  From what accounts should you begin taking distributions, and how much? How should your investments be allocated to support your income goals?  We can help answer your questions and provide strategies to help meet your retirement cash flow goals.


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