Services for Individuals
Our experienced financial advisors empower you through personalized planning and ongoing guidance.
Your goals, specific or broad, determine which services we provide. As comprehensive planners who work in your best interest, we always look at everything that could impact your goals.
Investments
Investments such as mutual funds, exchange-traded funds, and individual stocks, bonds, and alternatives can play a big role in meeting your expenses and lifestyle expectations in retirement. Having a healthy mix of asset allocation, guarantees, and at-risk dollars may help you achieve your retirement goals.
Tax Planning
Understanding taxes is important throughout your life. We'll help you navigate your personal tax situation and identify strategies to reduce the amount of taxes you must pay. Tax planning becomes very important in retirement because your income sources are taxed differently. Strategizing your retirement income withdrawals is necessary to avoid the myriad tax implications and pitfalls.
Retirement Income
Retirement income is the replacement of your previous salary or business income. After years in the accumulation phase (earning income), you move into the distribution phase. Your retirement income comes from different areas such as Social Security, pensions, 401(k), IRAs, investment portfolios, brokerage accounts, and more.
Long-Term Care Planning
Most long-term care isn’t medical care — it’s help with activities of everyday life, such as bathing, feeding, or taking medications. It is costly, and if you don’t prepare for it as a possibility, it could deplete your savings and even become a financial and emotional burden for your loved ones.
Health Care (Medicare)
Health care is a major expense, especially in retirement. A financial plan should account for premiums, deductibles and other out-of-pocket costs. And in retirement, you must have a clear understanding of Medicare coverages, costs and late enrollment penalties so you avoid financially devastating mistakes and misunderstandings.
Charitable Giving
When you prioritize giving, you create a habit of generosity that grows as you progress in your career and personal life. Donating in retirement and after your death to charities can provide personal fulfillment, legacy building and tax advantages. It can be achieved in numerous ways such as by naming a charity as a life insurance beneficiary, creating a trust fund, or using Qualified Charitable Distributions.
Estate Strategies
Estate strategies include organizing how you want your money, property, medical care, dependent care, and other matters handled after your incapacitation or death. Documents such as wills, powers of attorney, living wills and trusts can detail your wishes. Consider these tools to help you avoid disputes and probate, and to help those you leave behind potentially pay less in taxes, fees, and court costs.
Generational Planning
Generational planning structures your affairs so that your values are transferred together with your assets across multiple generations — maybe even generations you’ll never meet. Often developed jointly with an estate plan and referred to as a legacy plan, it’s meant to communicate how future generations can honor your values with the wealth you leave.
Saving
The sooner you start saving money, the more time it has to grow. Whether for an emergency fund, a planned expense or retirement, accurately calculating the right amount to save is an important first step. Determine the right savings vehicle — a 401(k), certificate of deposit (CD) or a health savings account — for each pot of money so that you maximize growth and minimize taxes while keeping some money accessible.
The Right Expertise. At the Right Time.
Life doesn’t follow a set timeline. But certain milestones and ages can act as triggers and guidelines to make financial decisions. As your personal financial advisor, we help you navigate life changes and life stages, wherever you are on your timeline.
20s
Start contributing to our 401(k) to take advantage of any company retirement match.
30s
Keep saving for your retirement. If you haven't started yet, start now.
40s
Consider reviewing insurance policies to understand if there are any gaps between need and coverage.
Set up systematic savings strategies to balance qualified and non-qualified assets
Find a financial planning professional if you don’t already have one
50s
Work with a financial planner to outline all your goals - not just retirement but also large expenses.
Find a financial planning professional if you don’t already have one
Evaluate your future income sources and needs
50s
58-64
The latest you may want to consider buying long-term care insurance (LTCi) to get the best rates. Because rates are largely based on your individual health, which tends to declens as you age, the earlier you start paying premiums, the lower your rates will be.
59.5
When you can begin withdrawing from your traditional IRA or retirement
savings plan account without the 10% early withdrawal penalty and from your Roth IRA without penalty.
62
The earliest you can start taking Social Security – but at a reduced amount.
For every year you delay taking your Social Secuirty benefits past Full Retirement Age, you get a bump of
8% in your benefit but only until age 70.
64.5
The earliest you can sign up for Medicare Supplement to cover what
Medicare doesn’t pay.
You can enroll in a Medicare Supplement plan up to six months before your 65 th birthday. You cannot, however, enroll in
Original Medicare, Medicare Advantage (Part C), or a Part D Prescription Drug plan until three months before your 65 th birthday.
65
At 65, you are eligible for Original Medicare (Part A hospital insurance and Part B
medical insurance), but you can sign up as early as three months before your 65 th birthday and as late as
three months after the month you turn 65.
If you don’t sign up within this seven-month period or within eight months of leaving a job with group
health coverage, you may pay late-enrollment penalties for Medicare Part B and Part D (prescription
drug coverage).
67
Full Retirement Age (FRA) – the age at which you are eligible to start receiving full Social Security
benefits – if you were born in 1960 or after.
70
The age at which Social Security delayed retirement credits are no longer applied.
Waiting to start claiming beyond age 70 will not increase your benefits.
73
When those born 1951-1959 must start taking required minimum distributions from their tax-deferred
retirement plan, such as a traditional IRA or 401(k), 403(b), or 457(b) plan or face paying penalties.
75
When those born 1960 or later must start taking required minimum distributions from a traditional IRA
and 401(k), 403(b) or 457(b) or incur paying penalties.
82
Average Life expectancy for a man reaching 65 today.*
85
Average Life expectancy for a woman reaching 65 today.*
*Social Security Administration, Actuarial Life Table using mortality rates for 2021 for the 2024 Trustees Report.
90
Some may need to plan for a longer life expectancy: there’s a 43% chance that at least one
member of a couple will live to age 90.*
*“Social Security Administration, Period Life Table, 2020,” (published in the 2023 OASDI Trustees Report); American Academy of Actuaries and
Society of Actuaries, Actuaries Longevity Illustrator, http://www.longevityillustrator.org/ (accessed January 2024), J.P. Morgan Asset
Management.
Let's Talk About Your Timeline.
How to Choose an Advisor
Above all, make sure you feel comfortable with the advisor.
- See if your communication styles are compatible.
- Decide if you want to meet in person or virtually.
- Match the advisor’s areas of focus to your needed services.
- Vet their qualifications.
- Ask about their investment philosophy.
- Ask how they make their money and what they charge.
Our History
Years of experience have prepared us to guide you through your life transitions.
