EARLY CAREER
When starting out in your professional life, we help you with the basics while starting the foundation of your retirement savings.
- Building your savings and establishing good credit.
- Creating a plan for paying down debt and/or student loans.
- Making a realistic budget so you can live within your means.
- Leveraging your employer retirement benefits such as 401(k), 403(b), and Roth IRAs.
- Purchasing Health and Disability Insurance.
FAMILY & WEALTH BUILDING
If you are about to settle down or have already begun building a family, you are in a position of greater responsibilities. In this stage, we help you navigate how to financially support the needs of and protection of yourself and those who matter most.
- Expanding your insurance policies to include Life and Home.
- Updating your disability insurance and health insurance.
- Reviewing your estate plan and preparing your will.
- Saving for your children’s’ college education.
- Changing careers or starting your own business.
- Growing and diversifying your savings to include investments.
- Making large purchases such as a home, larger car, etc.
When starting out in your professional life, we help you with the basics while starting the foundation of your retirement savings.
- Building your savings and establishing good credit.
- Creating a plan for paying down debt and/or student loans.
- Making a realistic budget so you can live within your means.
- Leveraging your employer retirement benefits such as 401(k), 403(b), and Roth IRAs.
- Purchasing Health and Disability Insurance.
PREPARING FOR RETIREMENT
As you are nearing your financial freedom, you want to ensure that you can continue living the same lifestyle while checking some items off your bucket list. During this time, we help you get retirement ready so you can enjoy your non-working years to the fullest.
- Determining when and how to utilize Social Security and Medicare Benefits
- Reviewing options around reducing taxes.
- Determining your potential expenses throughout retirement.
- Planning for long-term care.
- Reviewing and modifying your investment plan.
LIVING RETIREMENT & TRANSFERRING WEALTH
You have finally reached the “work optional” stage of your life and hopefully spending more quality time with family and friends, or even pursuing new hobbies and passions. In this phase, we work with you to ensure you can continue enjoying your time but also planning your legacy.
- Updating your will and regularly evaluating your estate plan.
- Turning your retirement and pension savings to income.
- Reducing taxes that come with retirement benefits.
- Selling assets and downsizing.
- Exploring options for assisted living in-home care.