Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security and personal savings and investments are expected to play a role. Every hard worker’s dream is to have comfortable, stable, and secure retirement years. And now because we will likely live much longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did. Once you have estimated the amount of money you may need for retirement, a reliable approach involves taking a close look at your potential retirement-income sources.

Retirement Planning is financial planning for the spending years versus the accumulation years. The emphasis you should place on retirement planning does change throughout different life stages, so it’s important to work with a trusted financial professional that will help you map out your long-term goals and adjust your retirement plan if any major life events occur. When you plan your finances and lifestyle choices, it becomes much more likely to achieve that dream of a secure and happy retirement. We can help you build wealth, minimize market losses, protect your principal, and generate retirement income you can’t outlive.

We can help guide you along the path to—and through—retirement. No matter where you are in life, we can provide guidance, tools, and services to help you prepare for retirement on your terms.

Understanding tax strategies and managing your tax bill should be part of any reliable financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

Tax planning is an important component for your overall financial plan. Careful planning throughout the year can assist you in reducing the taxes you pay – as well as help you achieve your financial goals.

We provide expert tax planning and preparation, utilizing ideas and strategies specifically designed for retirees. Most people do not know that in the retirement years every dollar saved by minimizing income taxes will increase your spending capacity in retirement more than additional growth on your money.

Tax planning should not be done in isolation, but instead should be driven by your overall financial goals and integrated with your total financial plan. We can help you develop and implement appropriate strategies to lessen or shift current and future tax liabilities to help you meet your long- and short-term objectives.

In theory, investing should be easy—just buy low and sell high—but most of us have trouble following that simple advice. There are principles that may enable you to put together a customized strategy that reflects your risk tolerance, time horizon and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

Investing is about reaching your financial goals: retirement, paying college, or just providing for your family. Working with a financial professional can offer personalized, professional guidance to help you reach your investment goals. We will take the time to understand your complete financial picture and tolerance for risk — and provide a strategy to help you maximize all elements of your financial life.

We work with you to develop a personalized investment plan to reach your future retirement goals. We will help you implement any new plan of action that has been developed.

Life doesn’t stand still — and neither should your insurance strategy. Major milestones such as the birth of a child, the loss of a loved one, a career change, retirement, or a significant purchase can all reshape your financial responsibilities and long-term goals. An insurance review ensures your coverage keeps pace with those changes. We evaluate your existing policies, identify gaps or overlaps, and determine whether adjustments are needed to better protect your family, income, and assets. The goal is simple: to make sure your protection strategy remains aligned with your evolving life and financial plan, giving you clarity and confidence at every stage.

Chances are you could live well into your 80s and 90s, or longer. A long life greatly increases the likelihood you’ll require long-term health care.

Choosing the best Medicare Plan that fits your needs can be a challenging task. Long-term care planning can help financially protect you and your family from unexpected medical issues that may arise as you age. You have many options to choose from and our senior health insurance specialists are available to help you make a confident decision about the plan options that may be best for you.

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate plan can spell out your healthcare wishes and ensure they’re carried out – even if you are unable to communicate. An effective plan can even designate someone to manage your financial affairs, should you be unable to do so.

It’s never too early to begin thinking about your legacy or to shape your estate plan. Contrary to what many people think, you don’t need to be a millionaire to have an estate plan. An estate plan is an important part of any ongoing financial planning process.

Your legacy transcends money — it also encompasses your values. Your wishes and dreams may include using your assets to help secure your family’s future or you may choose to support another cause close to your heart. This might be your favorite charity, your community or your place of worship, to name a few.

We can help you design a legacy consistent with your dreams and values. Estate planning is critical to ensure that your family receives the assets you have accumulated during your life. Regardless of how much money you have, we feel estate planning is the best way to protect the financial interests of your family when you are no longer here to do so.

Financial Education Courses:

I’m an instructor with Adult Financial Education Services (AFES), specializing in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement. We offer college courses and workshops to further the financial education of our clients, so they will have the knowl­edge and confidence to make financial decisions suited to their goals and objectives.

Retirees and working adults are increasingly responsible for making and understanding sophisticated financial decisions involving investments, diversification, retirement and money management. Many lack the basic knowledge to assume these responsibilities, placing their financial well-being and retirement lifestyle in jeopardy.

We work with Adult Financial Education Services, a not-for-profit organization that is committed to raising the financial literacy of adults to make suitable financial decisions and understand investment advice received from others.

Lifestyle Planning:

We work with you, focusing on the ideal lifestyle you want to live today as opposed to deferring that lifestyle to a future that may never come. Having you really think about what you’re saving for is a big opportunity to have a richer dialogue about your retirement and how we can help you develop a personalized plan to reach your ideal retirement lifestyle.

Creating a life map involves a close analysis of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future and many other items regarding how to help you enjoy the journey.

Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your financial strategy. We can help you chart a new course if need be to ensure you meet your financial, lifestyle and retirement goals. We will help you implement any new plan of action that has been developed in light of your changing goals or changing performance.