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Strategizing To Work Toward A Secure Retirement

Strategizing To Work Toward A Secure Retirement

Have you considered how much income you’ll need in retirement? Experts believe retirees will need 70% to 90% of pre-retirement income.

And with a recent survey done by the Employee Benefit Research Institute, 3 in 10 retirees and 4 in 10 workers are not confident that their money will keep pace with inflation during retirement.2

Our approach to retirement planning is built on a consultative foundation, where we meticulously assess your current assets and liabilities, including your 401K, IRA's, pension, and existing or expected social security benefits. By conducting a comprehensive evaluation of your financial landscape, we craft retirement strategies that align with your unique situation and aspirations.

Anticipating Expenses and Lifestyle Changes:

We work closely with you to establish expected expenses while considering potential changes and major lifestyle shifts.  

Monte Carlo Analysis and Hidden Dangers:

Monte Carlo Analysis and Hidden Dangers:

This provides a percentage-based success rate, offering valuable insights into the financial viability of your retirement plan. Moreover, we remain vigilant in identifying hidden dangers that can cause substantial impact and inflation on your financial plan. The projections or other information generated by Monte Carlo Analysis tools regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.

Tax-Efficient Strategies and Guaranteed* Income Plans:

We guide you through tax-efficient strategies, in an effort to help you determine optimal sources and frequencies for funding your expenses and desired lifestyle. We explore the use of guaranteed income plans, leveraging structured and lifetime annuities to ensure reliable income during retirement. Structured annuities are insurance products that are complex, long-term investment vehicles and are subject to risk, including the potential loss of principal.

*Guarantees are based on claims paying ability of the issuing company.

Roth IRA Conversion Analysis:

Roth IRA Conversion Analysis:

In an effort to maximize your financial flexibility and minimize future taxes, we conduct a thorough analysis of converting an existing IRA into a Roth IRA, providing a comprehensive assessment of the implications and advantages associated with this strategic move.Traditional IRA account orders have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RND) in the year you convert, you must do so before converting to a Roth IRA.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

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1.  “Top 10 Ways to Prepare for Retirement,” September 2021. 

2. 2023 Retirement Confidence Survey. Employee Benefit Research Insti   tute and Greenwald Research.  

3. How Much Care Will You Need?,” February 18, 2020. 

4. Fidelity® Releases 2023 Retiree Health Care Cost Estimate:  June 21, 2023.