The Builder

You’re in the middle of your earning years. You’re raising a family and building the life you always wanted. Life is busy. Now is the time to start planning because you know that time flies and your retirement plan deserves some attention if you are going to be prepared for your next stage of life.

Questions You Might be Asking:

  • Am I saving enough for my future?
  • How can I manage all the financial stuff in my life with so little time?
  • Where can I go for personal and professional advice in the middle of my increasingly complicated situation?
  • Should I be worrying about supporting my aging parents?
  • What about college tuition? That’s a lot of money!

The Pre-Retiree

You’ve been working hard, saving and raised a family. You have done everything you’re supposed to do. Now it’s time to focus as the end of regular paychecks gets closer. As you begin to see retirement coming closer you want to be as prepared as possible. You know you want to find a clear strategy to replace your paycheck. You find yourself tightening your budget and spending a little less in anticipation of the years to come.

You are asking yourself questions like:

  • How will I replace my income in retirement?
  • What if I can’t really afford to retire? How long should I work?
  • Am I risking too much or not enough with my current investments?
  • How should I think about the news about social security and its challenges?
  • How much will I be able to spend in my retirement and over what period?
  • What about the increasing cost of health care?
  • When should I start taking social security?

The Retiree

Retirement is here and you are finally enjoying your freedom. Doing what you want, when you want, for as long as you want! You finally reached retirement and you are loving it, but you find yourself concerned about how long your money will last. Can you afford to take that trip or will you regret it later? Do you have enough to live life the way you want to?  You are looking for a clear income strategy and advice on how best to utilize your money so it can both support your lifestyle and help you leave an inheritance for your family.

You may be asking yourself questions like:

  • Is it wise to downsize or should I stay in my home?
  • Should I consider picking up part time work while I still can in case I don’t have enough?
  • Can I afford a second home so we can enjoy winters in a better climate?
  • What are the rules on taking money from my retirement accounts?
  • What should I do to make sure I stay on top of any changing rules?
  • How do I create income from my investments and minimize taxes?
  • How do I incorporate my Social Security and pension income into my overall needs?
  • Can I keep giving money away to my favorite charities and still have enough in retirement?
  • Can I keep giving money away to my favorite charities and still have enough in retirement?

The Survivor

It wasn’t meant to be this way, but you find yourself alone. You’re overwhelmed by the decisions you have to make and have questions about what you should do next. You have limited experience and questions about who is really on your side and has your best interests in mind. You want to be heard and you are eager for trusted, easy-to-understand advice and clear guidance as you adjust. You need someone in your corner.

You’re asking, now that I’m alone, what do I do next?

  • How does social security and pension change now that my spouse is gone?
  • Do I have enough money to take care of myself?
  • Do I need to sell our house?
  • Will I still be able to leave an inheritance for my kids?
  • Who can help me make sound financial decisions and put my best interests first?
  • Where should I turn for help? Family or a financial professional?

The Inheritor

Whether it was expected or happened suddenly, life just changed for you. You find yourself in possession of an inheritance and you need wise counsel to plan, manage and invest it well. You have a new level of responsibility, and you want to make sure that you plan well, make decisions that align with your values and goals, and adjust your financial plan.

You may be asking questions like this:

  • How do I plan and mitigate my taxes with the extra income?
  • Where should I invest for the best use of the money?
  • What changes should I make to my retirement plan with this new change?
  • Should I consider estate planning?
  • Who should I trust to walk with me through this?


Whatever stage of the journey you are in, we are here to help you navigate. From a one time review, to ongoing management of your portfolio, let us bring an outside perspective so you gain the confidence you need to move forward.