Where will your retirement money come from? If you’re like most people, qualified retirement plans, Social Security, and personal savings and investments are expected to play a role. Every hard worker’s dream is to have comfortable, stable, and secure retirement years. And now, because we will likely live much longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did. Once you have estimated the amount of money you may need for retirement, a reliable approach involves taking a close look at your potential retirement income sources.

Retirement planning is financial planning for the spending years versus the accumulation years. The emphasis you should place on retirement planning does change throughout different life stages, so it’s important to work with a trusted financial professional who will help you map out your long-term goals and adjust your retirement plan if any major life events occur. When you plan your finances and lifestyle choices, you become much more likely to achieve that dream of a secure and happy retirement. We can help you build wealth, minimize market losses, protect your principal, and generate retirement income you can’t outlive.

We can help guide you along the path to—and through—retirement. No matter where you are in life, we can provide guidance, tools, and services to help you prepare for retirement on your terms.

In theory, investing should be easy—just buy low and sell high—but most of us have trouble following that simple advice. There are principles that may enable you to put together a customized strategy that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

Investing is about reaching your financial goals: retirement, paying for college, or just providing for your family. Working with a financial professional can offer personalized, professional guidance to help you reach your investment goals. We will take the time to understand your complete financial picture and tolerance for risk — and provide a strategy to help you maximize all elements of your financial life.

We work with you to develop a personalized investment plan to reach your future retirement goals. We will help you implement any new plan of action that has been developed.

Understanding tax strategies and managing your tax bill should be part of any reliable financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

Tax planning is an important component of your overall financial plan. Careful planning throughout the year can assist you in reducing the taxes you pay – as well as help you achieve your financial goals.

We provide expert tax planning and preparation, utilizing ideas and strategies specifically designed for retirees. Most people do not know that in their retirement years, every dollar saved by minimizing income taxes will increase your spending capacity in retirement more than additional growth on your money.

Tax planning should not be done in isolation but instead should be driven by your overall financial goals and integrated with your total financial plan. We can help you develop and implement appropriate strategies to lessen or shift current and future tax liabilities to help you meet your long- and short-term objectives.

Chances are you could live well into your 80s and 90s or possibly even longer.

When you live a long life, the likelihood you’ll need long-term health care is greatly increased. Younger people may also need long-term care due to accidents or illnesses.

Almost 70% of people turning age 65 will need long-term care at some point in their lives. Many people think the phrase “long-term care” only refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses everything from long-term services and finances to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.

Long-term health care is generally not covered by medical insurance, Medicare supplement plans, or group/employer insurance. For seniors on Medicare, the long-term care benefits can be quite limited.

That is why over 10 million Americans have purchased long-term care insurance. We offer several LTC solutions, including individual plans, asset-based long-term care, and life-insurance-based long-term care. We will work with you to find the best plan for your LTC needs.

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate plan can spell out your healthcare wishes and ensure they’re carried out – even if you are unable to communicate. An effective plan can even designate someone to manage your financial affairs should you be unable to do so.

It’s never too early to begin thinking about your legacy or to shape your estate plan. Contrary to what many people think, you don’t need to be a millionaire to have an estate plan. An estate plan is an important part of any ongoing financial planning process.

Your legacy transcends money — it also encompasses your values. Your wishes and dreams may include using your assets to help secure your family’s future or you may choose to support another cause close to your heart. This might be your favorite charity, your community, or your place of worship, to name a few.

We can help you design a legacy consistent with your dreams and values. Estate planning is critical to ensure that your family receives the assets you have accumulated during your life. Regardless of how much money you have, we feel estate planning is the best way to protect the financial interests of your family when you are no longer here to do so.