There’s many questions that often come to mind as we approach and begin the retirement phase of life. Our team of experts are here to help you navigate the questions you have and even the blind spots you may not have considered. We help you design a comprehensive family wealth plan to bring your family vision and values to life. This plan will provide you with the clarity and confidence you desire for not only your own financial security, but your generations to come.
Our version of Retirement and Distribution Planning is built on a foundation of principles to ensure you have the best opportunity for a successful retirement.
Prudent investment advice is goal-focused and planning driven; distinguished from market-focused and current events driven.
Cash Flow Planning
The cash flow of the financial plan should dictate your portfolio allocation and optimal distribution strategy.
Market timing is not part of a disciplined, goal-focused investment plan.
Retirement paychecks increase client confidence by providing permission to spend.
Portfolios should be diversified not only by asset classes but also by tax characteristics.
All debts should be paid off by retirement.
Maximize Social Security
Retirees should maximize their Social Security benefits as an integral part of their distribution strategy.
Optimize tax savings throughout retirement through proactive intra-year tax management (tax coupon for the future) and leveraging low tax rates on income and capital gains*.
The retirement distribution plan should account for an increasing awareness of market volatility and the significant impact of taxes paid from your portfolio.