Our financial planning services take a holistic view of your financial picture. Even though we specialize in retirement planning and retirement income planning, we know that this aspect of your financial life encompasses many other components.
In the first phase of the retirement planning process, we often discuss other financial topics, such as:
- Financial position & net worth review
- Cash flow analysis
- Insurance & employee benefits planning
- Education funding
- Debt reduction
- Investment planning
- Estate planning
- Tax planning
- Long-term care planning
- Legacy planning
- Wealth transfer
We realize that our clients sometimes need to speak with other competent professionals for advice in these areas. As a value-added benefit, we refer our clients to the very best professionals we know, tailored to your personality and needs. We retain our client-focused conduct 100% throughout our relationship. We have no agenda—except yours!
You choose the level of support you want.
Providing the confidence to move forward.
Advanced Financial Planning
For those with greater financial complexity.
Through decades of experience working with retirees, we’ve developed a helpful framework for generating retirement income.
Our “4 Buckets” retirement income framework has practical and psychological implications. Far too often retirees view their retirement savings as one big portfolio with a singular purpose and risk-level (often a 60/40 stock and bond allocation). When this happens, portfolio expectations are usually misaligned and retirement income suffers as a result.
We have found that by assigning buckets with a specific income goal and risk level, it’s much easier to understand how income is generated and handle market volatility when it comes.
Once we have determined a client’s income needs we then discuss proprietary portfolio allocations to fill the respective buckets in our framework.
4 Buckets Income Framework
|Emergency Reserves||Emergencies, larger purchases||Risk-Free|
|Pensions & Social Security||Baseline Expenses||Low Risk|
|Stable Income||Baseline Expenses||Growth & Income|
|Lifestyle Enhancement||Lifestyle Costs||Growth|