To help us understand what matters to you, we’ll discuss:

• Your intangible desires that <don’t carry a price tag
• Your perfect day
• How you perceive the role of money

To help ensure your expenses can be paid with reliability for the rest of your life, we’ll look at your:

• Social Security and pension strategies
• Income and expense analysis
• Inflation plan
• Required minimum distributions
• Longevity protection
• Spousal plan

We will create an investment plan for the remaining assets that you do not need to draw from month to month.
This typically includes:

• Assessing your risk tolerance
• Adjusting your portfolio to help reduce fees
• Accounting for volatility
• Evaluating ways to reduce risk while still working toward your goals
• Offering comprehensive institutional money management

Any comprehensive retirement plan will include a strategy for potentially decreasing tax liabilities.
This typically includes:

• Assessing the taxable nature of your current holdings
• Possible IRA planning
• Strategizing ways to include tax-deferred or tax-free money in your plan
• Optimizing which tax category to draw income from first to potentially reduce tax burden
• Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries

We will create a plan to help you address rising health care costs and manage expenses, including:

• Understanding all aspects of Medicare
• Analyzing options for a long-term care plan

We will help you ensure any remaining assets you’ve worked so hard to create are distributed to your beneficiaries
in the most tax-efficient manner. By working collaboratively with a qualified estate planning attorney, our goal will
be to help you:

• Maximize your estate and income tax planning opportunities
• Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death
• Protect any assets in trusts and ensure they are distributed probate-free