What I Do:
I help pre-retirees within 5 years of retirement to craft tax-smart retirement income plans they won't outlive, so that they can spend freely, thrive through change, and confidently know it will last.
Who I Serve:
Those Looking to Partner with a Trusted Advisor
Clients of my firm understand that the success and wellbeing of their financial future is too important to be planned for alone. They understand the value of expert advice and guidance. They value their time and understand the benefit of professional delegation.
Retirement Focused
My services and expertise are tailored to serving those who are nearing retirement (typically within 5 years) or recently retired.
Age 50+
I do my best work for individuals that are age 50+.
Diligent Savers
My clients typically have accumulated between $1 million - $6 million of retirement savings.
What’s Included
Retirement Planning
I help you continuously answer the big questions:
1.) When can I retire?
2.) How much can I spend in retirement?
3.) What are my income guardrails?
4.) How do I navigate the unknowns?
5.) In the long run, will I be ok?
As your planning partner, I provide advice and guidance every step of the way to ensure your retirement is always built to last.
Tax Planning
What do almost 100% of people hate? Paying more than they're required too in taxes! Proactive tax planning is critical. (Click here to learn why Tax Planning Matters!)Taxes may end out becoming your biggest future expense, even in retirement.
I work diligently to help clients minimize their lifetime tax bill. A few areas we focus on include:
- Annual Tax Return Analysis
- Annual Roth Conversions
- Asset Location Efficiencies
- Income Coordination and Timing Strategies
Our goal is to help our clients take advantage of every tax opportunity in this ever-changing tax law environment.
Investment Advisory
I believe in investment management as a tool and not a stand-alone goal. A great investment plan should compliment your other retirement goals. Together, we’ll determine an investment strategy based on your risk tolerance, income needs, and your long-term investment goals. My philosophy is to provide low cost, high quality, and globally diversified investment portfolios. Making decisions based on fact rather than prognostication will enhance your chances of future investment success.
Risk Management
Our Risk Management service includes evaluating your current insurance policies and future coverage needs. Many people believe estate and long-term care planning are essential. It is critical that your current insurance offerings fit within your present-value needs and are utilized to protect future estate tax and long-term care costs. And no, long-term care planning doesn't immediately mean you need long-term care insurance.
Income & Estate Planning
We help implement an income plan that focuses on social security strategies, pensions, RMD's, rental income, and more. Many planning decisions will need to be made regarding these potential income sources. We will help you coordinate the timing and taxation of these income sources to maximize their value and net payout. Making sure these income sources work efficiently alongside your other financial resources will be critical in the pursuit of your long-term financial goals.
Ongoing Relationship
Real financial planning is an ongoing process. I’ll regularly review your progress throughout the year and adjust your strategy as your life evolves. I'll also be here as your go-to resource to talk through any financial events or decisions that arise. You'll never have to worry about making big financial decisions alone. I believe that financial planning is a process and not an event. That means I'll provide you with proactive planning year-round. You will also be given access to your own online client portal and our weekly client email, PharmD Weekly.