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For Individuals

Retirement Planning

Retirement planning has many dimensions that must be considered. People are living much longer, and advances in medicine continue to extend our lives even more. Retirement planning today must include accumulating adequate assets to sustain for many years in retirement. It must also include shifts in strategy when we move from our accumulation years to distribution years in retirement.

Many factors must be considered:

  • Risk tolerance
  • Accumulation, savings and investment during our working years
  • Protection of assets when we transition to retirement
  • Lifetime income strategies
  • Social Security Maximization
  • Legacy protection

Social Security Maximization Analysis

Determining when and how to file for Social Security can be complex. Married couples have over 81 combinations available to them. If you are a widow or have young children, there are other rules to navigate. If you are divorced, did you know that you may be able to file based on your ex-spouse’s benefit? With our analysis tools we can help you determine the best way to file, particularly in coordination with your other retirement assets.

Investments, Asset Allocation Review & Portfolio Management

Investments can play a key role in your financial plan. Having the proper mix that matches your risk tolerance and time horizon is an important factor in comprehensive planning. The balance and mix will change over time.

Taxation is also a key component. Your portfolio may include taxable accounts, IRA’s, Roth IRA’s and employer retirement plans such as 401k, 403b or other qualified retirement accounts.

We may include a wide variety of savings and investment vehicles in your portfolio:

  • Managed money platforms including stock portfolios and ETF’s
  • Mutual funds
  • Annuities including variable annuities, fixed indexed annuities and fixed annuities
  • Savings


Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house, college funding or retirement.

We have access to a variety of insurance products that can help meet your financial security planning needs.

Life insurance provides immediate funds for your family at the time of your death. We may include a combination of term insurance and permanent insurance to meet your needs over decades. We are able to combine different types to best meet your needs.

  • Variable life insurance
  • Universal life insurance
  • Indexed life insurance
  • Term life insurance

Long Term Care expenses are a major risk for most people, especially as we enter our retirement years. The costs for care at home or in a facility can quickly deplete all that we have worked to accumulate. With advances in health care, people may live for many years while requiring long term care. We may use many different vehicles to provide long term care protection.

  • Life insurance with long term care riders
  • Asset based annuities with long term care multipliers
  • Traditional long term care policies

Disability insurance provides income in the event you are unable to work. Your ability to work and earn an income is one of your greatest assets. If you do not have disability insurance through your employer, or if you are self-employed, you should consider long term care insurance.

College Funding & 529 Plans

Planning for the expense of college for your children is a tremendous gift to them. Section 529 plans are one option, and there are others. We can help determine the best fit for you.

Short Term, Mid-term and Long Term Goal Planning

We focus on You and your goals and your objective. Whatever the goal, we can help determine how to start working towards it and how it will fit with your other financial objectives.

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