RETIREMENT PLANNING


Retire with confidence, it’s your choice.

It's important to consider how decisions today impact your ability to retire with financial security. We are experts in retirement planning and can guide you through making all types of retirement decisions. Let us help you answer questions about pensions, government benefits, your estate and retirement investments. Learn more about planning for your retirement by scheduling to meet with an Adviser today.



Retirement Benefits

Whether you're already retired or considering when to make the decision there are a lot of factors to consider. We can help you understand government and employer benefits so you'll be prepared to make smart decisions about retirement. The way you invest money during retirement can have certain tax implications and your retirement income plan should address these specific needs. It's easy to get started and never too late to begin, retiring on your terms won’t happen by mistake.

  • 401(k), 403(b), 457, and other retirement plans
  • Rollovers, IRA's and other retirement accounts
  • Pensions and Annuities
  • Social Security and Medicare Benefits
  • Elder and Long Term Care
We can help you better understand government and private benefits so you'll be prepared to make smart decisions about retirement. It's easy to get started and never too late to begin, retiring on your terms won’t happen by mistake.




Cash Flow & Budgeting

Awareness of income and expenses is the key to knowing how long your money will last in retirement. We have simple technology that can help track all of your transactions and your personal advisor can help you set it up. If you've made it this far on our website you can definitely navigate our user friendly 1080 eMoney Portal. Together we can help you create budgets and monitor cash flow so your money can last through retirement.

  • Track all of your account activity
  • Create custom budgets and savings goals
  • Monitor income and expenses
  • Link to your checking and savings accounts, credit cards and loans



Financial Forecasting & Stress Tests

Understand the long term impact of the retirement decisions you are considering today. Our innovative tools help you visualize financial goals and can project the likelihood of achieving them. With the 1080 eMoney Portal we can connect information from all of your financial accounts to perform stress test simulations and generate reports with real data.

  • Personal balance sheet and net worth statements
  • Cash flow projections
  • Monte Carlo simulation
  • Retirement planning analysis
  • Detailed flow charts
  • Tax and inflation assumptions


Investment Planning

Asset allocation should be the primary focus to developing a long term investment strategy. With the 1080 eMoney Portal we can link all of your investment accounts and keep track of tangible assets like real estate. Specific goals should have a specific investment strategy and be flexible enough to accommodate your wishes. With your entire financial picture visible, we have more information to help you make smarter investment decisions.

  • Stocks & Bonds
  • Mutual Funds & ETF's (Exchange Traded Funds)
  • Alternative Investments, REIT's
  • Trust accounts
  • Retirement accounts
  • Impact Investing (sustainability, corporate governance)


Risk Management

Risk management and insurance planning are key components to any sound financial plan. We'll help you evaluate different kinds of insurance strategies so you can protect yourself from the costs of accidents, disability, and death. There is no one-size-fits-all policy, we can explain your options, conflicts of interest and compare policies to help you make insurance decisions that make sense for you.

  • Coverage through Employee Benefit programs
  • Term Life Insurance
  • Whole Life & Universal Life Insurance
  • Long Term Care Insurance
  • Disability Insurance


Tax Planning

Unfortunately you don't get to stop paying taxes just because you retire. Proactive tax planning begins with understanding your current tax situation and working as a team with your trusted tax advisor. Through collaboration we can account for all aspects of your financial and tax situation to implement smarter tax efficient solutions. There are plenty of opportunities to reduce your tax liability now and in the future, but none of it will happen without planning today.

  • Capital Gains
  • Estate Tax
  • Income Tax Planning
  • Charitable Giving
  • Business Planning

Estate Planning

Your legacy is important. When you pass away the money from your estate can only go three places: your beneficiaries, charities and the government. You need a trust to protect your assets and a well thought out estate plan to be your voice when you can't speak. We encourage open collaboration with your estate planning attorney and accountant to design a holistic estate plan that addresses all of your wishes.

  • Trusts and wills
  • Power of attorney documents
  • Health care directives
  • Irrevocable trusts
  • Corporate trustee services
We emphasize the use of proper estate planning techniques to address the management of your health, financial accounts, gifting and taxes when you are no longer able to do so yourself. A well thought out estate plan ensures the right people have access to resources while protecting others from potentially causing harm.






Philanthropic Planning

The foundation of our future relies upon the communities and great organizations that help us get there together. We believe efforts are well spent in service to others and can help you ensure that your charitable gifts have the biggest impact. There are many tax advantages for both grantors and recipients of qualified donations which is why it's important to coordinate charitable giving and family gifts into your financial plan.