Retiree or "soon to be' Retired

As a retiree, or someone soon to retire, your needs and concerns tend to include the following questions and issues:

• What are my income sources and available capital? What is the best way to position it?
• I know I must take some risks to achieve higher returns but how can I minimize the risks?
• How much can I spend?
• How do I make sure I don't run out of money?
• How do I transition my money to my heirs? How much tax will be owed?
• What health coverage do I need?

The concerns of someone no longer in the work force are vastly different than those still accumulating wealth. You've worked hard to get where you are but now you need to worry about having your money work for you and being sure your money lasts as long as you do. You have no time to recover from errors or bad markets. Yet, somehow, you must accept some measure of uncertainty. It is a fine balancing act and there are big consequences.

Some Advisors will tell you what they can do. We will show you. Real data, real answers. A successful income phase of your life requires careful planning and sophisticated product diversification. Yet, despite the complexity we'll be sure you understand our strategy and why it is right for you.

Our income strategy includes six steps:

1. An Income Projection – when you can retire. What you can spend. Why it will last.
2. Tax Efficiency – When you should Defer. When you should Divide. When you should take Dividends. What you can Deduct. Whether you should Donate.
3. Product Diversification – There are many products on the shelf. In all likelihood you'll not find a ‘one size fits all' solution. Success, and risk mitigation, comes from using numerous products with varying features and advantages. Because you need a life plan and longevity must be planned for. I'll show you how this step will be key to your success.
4. Estate Planning – we do the diagnostics. Because you need to be in charge of how things transition.
5. Investment Strategy – We only use the most successful money managers in the marketplace. Long-term performance is key and we evaluate on a continuous basis. We take responsibility. Emphasis is on historical performance, risk mitigation, consistency and tax efficiency.
6. Communicate, review, repeat, repeat – It's why you have us.

Where you end up? Sensible investments, an inclusive and integrated approach.

A plan that serves you ~ for life 

Please read Working with your Advisor when your Ready to Retire.