You most likely worked hard to save for retirement, pay for your house, and contribute to your children's education, yet have no idea if you can afford to retire. Answering this question means looking carefully at your overall financial picture. We help clients identify, plan and execute strategies designed for securing their desired financial future, including retirement. The planning process begins by helping clients maximize their corporate benefits to leverage their potential retirement income. We guide clients in transitioning income sources with tax efficiency, manage assets to suit their risk preferences, and coordinate with their tax and estate planning professionals.

As a business owner, one of the most important things you can do now to minimize future risk is to be prepared, from both a legal and a financial perspective, by having a succession plan in place. We help clients button up the details with key elements such as: ensuring a proper legal structure, strong management, stable cash flow, asset diversification, business valuation, marketability assessment, buy-sell agreement. We also find solutions to maximize cash reserves on a tax-advantaged basis for future opportunities and threats, from both a business perspective as well as your personal finances.

While you may think the answer lies in how successfully you preserve wealth (or ‘save up’) in the years leading up to retirement, we actually place just as much importance on the next step, wealth distribution.

By focusing on minimizing taxes and investing appropriately throughout your life, we help clients model out their income, assets, and expenses to project their probability of a successful retirement. But it doesn’t end there. How and when you draw upon your savings plays a key role.

Most of us will have a pension (social security) and/or a public or private pension depending on who we worked for. Determining how and when to take your pension(s) is part of the income puzzle. 401k(s), 403(b)'s, IRA's, and other retirement savings help supplement our pension income. Helping you think through your options is what we enjoy. Setting up monthly distributions from your investment plans is all part of the plan.