Home / What We Do
Six components of a retirement plan.
The plan is established first. Products are selected afterward, and only where they serve the plan.
Who We Serve
These are the concerns clients bring to the first meeting.
- Will my savings last as long as I do?The central question, and the one that determines nearly every other decision.
- What happens if the market falls sharply the year I retire?Sequence-of-returns risk does more damage in the first five years than at any other point.
- When should I claim Social Security?The timing decision is permanent and the difference over a lifetime is substantial.
- How much can I withdraw each month without running short?Most people are working from a rule of thumb rather than their own numbers.
- How much of my IRA is actually mine after taxes?A pre-tax balance and a spendable balance are not the same figure.
- If something happens to me, will my spouse be all right?Survivor income is the gap most plans leave unaddressed.
- What will healthcare cost me, before sixty-five and after?Premiums and out-of-pocket costs are among the largest and least predictable lines in a retirement budget.
- What happens if one of us needs care at home or in a facility?Medicare does not pay for extended custodial care, and most people learn that at the moment they need it.
Areas of Focus
What I work on.
Guaranteed Lifetime Income
Contractual income that continues for as long as you live, structured to cover essential expenses so that the household budget does not depend on market performance in any given year.
Principal Protection
Positioning a portion of assets so that a significant market decline does not become a permanent reduction in retirement income, while retaining a measure of growth potential.
Income Distribution Strategy
A written schedule of what arrives each month, from which account, and in what order. This includes Social Security timing, required minimum distributions, and the coordination between them.
Tax Efficiency
Sequencing withdrawals and conversions with the objective of reducing lifetime tax liability, so that a greater share of what you saved reaches your account rather than the Treasury.
Healthcare Costs
A review of what your coverage will cost and what your options are. At sixty-five that means comparing the ways to receive Medicare and what each leaves you paying out of pocket. Before sixty-five it means Affordable Care Act marketplace coverage, where the premium depends heavily on the income you report, which makes it a planning question as much as an insurance one.
Long-Term Care
A plan for the cost of extended care at home, in assisted living, or in a nursing facility. We compare the realistic ways to pay for it, including traditional long-term care insurance, life insurance and annuity contracts with long-term care benefits, and setting assets aside, along with what each costs and what it does not cover.
of people turning sixty-five will need some type of long-term care services and supports in their remaining years, and Medicare does not pay for most of it. Source: Administration for Community Living, U.S. Department of Health and Human Services. Read the article →
Our Process
Four meetings, and you may stop after any of them.
There is no cost until you decide to implement, and nothing is presented for signature before you have seen the analysis it is based on.
Introductory Call
Twenty minutes to review your situation and determine whether this practice is an appropriate fit. Conducted by phone or video.
Income Analysis
We compare the guaranteed income you hold today against your anticipated expenses and identify the shortfall in specific dollar terms.
Strategy Review
Options are presented in writing, including what each guarantees, what it costs, what it does not do, and the terms under which it can be changed.
Implementation
If you elect to proceed, this office handles the applications and paperwork, and reviews the plan with you on an ongoing basis.
Next Step
An initial review, at no cost.
Twenty minutes by phone or video. You will finish the call with a clearer understanding of where your retirement income stands, whether or not we go on to work together.