Our Areas of Expertise - How We Help Clients
Income Planning - Many retirees fear running out of money more than they fear death itself. We help create income plans that guarantee income for as long as you live. The root of retirement income is your Social Security or Pension. Once we analyze and determine the best Social Security strategy for you, we then fill in the "gaps" with your other savings to complete the retirement income puzzle.
Portfolio Stress Testing & Risk Analysis - Many times we find that a client's portfolio is out of "whack". What we mean is that they are actually taking more risk or less risk than they desire. With tools and software at our fingertips, we help our clients design a portfolio that mirrors their risk tolerance, income needs and goals. If 2008 happened again, how much would your current portfolio lose?
Fee "Checkup" - When is the last time you actually tried to figure out how much you are paying in investment fees? Most people think they are paying much less than they actually are. We help you know what you are paying in direct fees and hidden fees with 100% certainty.
Healthcare Options after 65 - The world of Medicare can be confusing with several different ways to obtain coverage. How do you find the plan that is right for you at the best possible price? As independent brokers, we can help "shop" plans for you and find the best coverage for you based on your health and preferences.
Nursing Care Coverage - Many of our clients have a concern that they may need nursing care in the future but don't have coverage and we know why! Traditional long-term care insurance can be expensive and if you don't use it, you lose it. We help our clients explore alternatives that are powerful and flexible.
IRA's, 401(K)'s & Qualified Retirement Plans - 90% of our clients have some type of qualified retirement plan. With these plans, there are always questions regarding taxes, required minimum distributions and risk. We are up to date on all the tax laws that affect you as someone that owns one of these plans. How do we protect these plans from market risk, tax risk and healthcare costs?
The good news is we help people with ALL of these things 5-6 days a week. We look forward to serving you.