Planning Your Retirement Desires

3 Phases of Retirement Planning

Phase One:  Discovery Consultation

Your planning begins with a thorough discussion of your family, leisure, residence and work desires, to obtain a clear understanding of your retirement ambitions.  Understanding the dynamics of your unique situation will assist us in creating a plan that is tailored to you.

Phase Two:  Planning Strategy Sessions

We will develop a thorough understanding of your income needs, including your fixed expenses, your discretionary expenses and occasional expenses.

Then we go to work, examining the various ways you can decide to collect your Social Security/Pension benefits. How and when to receive income from your various retirement, non-retirement and real estate assets.  Income taxation is a critical component to your planning.  Reducing income tax is a primary focus of our planning.

Your investment portfolio will be reviewed with recommendations for your overall asset allocation and specific holdings.  Controlling risk and costs is a primary concern when developing your overall investment strategy.

Phase Three:  Your Personal Recommendations

You’ll receive specific recommendations covering the following areas:

  • Investment strategy
  • Retirement Income strategy
  • Social Security
  • Medicare
  • Estate Planning (Wills, Trusts and related documents)
  • Long Term Care
  • Property/Casualty Liability Insurance coverages