To develop trusted relationships by designing personal, efficient and comprehensive financial plans; crafted around each client’s risk aversion level and unique circumstances. We strive to deliver a lifetime of personal financial care, navigating the shifting currents of life with you.
Securing your future with
Annual average for LTC exceeds $70,000
75% of those reaching 85-years-old will need LTC
Is the single most estate devastating event
The risk multiplier. Living longer increases the potential for all other risks
Centurions (those reach 100-years-old) is one of the fastest growing demographics
1/3 of today’s 65-year-olds can expect to live past age 90
To ensure you don’t outlive your money, retirement planning should extend beyond 110 years-of-age
A shift in investing mindset is required when moving from the accumulation phase to the distribution (retirement) phase of life
Effective & Efficient Investing requires designing a plan uniquely balance between 3 investment buckets. 1. Taxable 2. Tax Deferred 3. Tax Free based on individual circumstances
National debt has ballooned to over $27 Trillion nearly tripled in the last 12 years
Taxes have remained at historic lows for 40 years
Over 64% of the Federal budget goes to mandatory spending (Social Security, Medicare, Medicaid, Gov Retirement programs)
Up to 85% of Social Security benefits can be taxed
Losses in the distribution phase of investing have irreversible repercussions
On average, the U.S. stock market experiences a “bear market” (market falls 20% or more) every 7 years.
The asset allocation basics of Safety First Planning is determining asset ratios between security, growth & income for life.
Diving deeper, growth assets are managed in conjunction with required liquid assets and guaranteed lifetime income assets
Studies have shown retirees with consistent income are “happier”
Social Security benefits are a supplement not a substitution for monthly income.
In Fleming v. Nestor the U.S. Supreme Court ruled Social Security benefits can be cut or eliminated at any time
There are 3 basic investment buckets. 1. Taxable 2. Tax Deferred 3. Tax Free
The proper investment balance maximizes gains while reducing or eliminating taxes