RETIREMENT PLANNING CUSTOMIZED FOR YOU

Securing what you have worked hard to earn and save

RETIREMENT PLANNING          TAX STRATEGIES          INVESTMENT ANALYSIS          ESTATE PLANNING          INSURANCE CONSULTING          401(K) FIDUCIARY CONSULTING          BUSINESS AND EXIT PLANNING

OVERVIEW

Building a retirement plan without a model of your financial goals and resources is like building a house without blueprints: the ultimate result may not be what you envisioned. By modeling your financial life, we can alter key aspects of the plan to see the impact before you actually make any changes.

PERSONALIZED GOAL-BASED CASH FLOWS

Focus on what you want…not what it costs! 

We always start with what you want. After building the initial financial plan, we can show you whether you can afford all you want or not. If needed, we can modify your goals together to find a sustainable plan. The answer may be as simple as working a few more years, or perhaps saving just a little more. Instantaneously seeing the impact of buying a vacation home or frequently replacing your cars helps you understand the consequences of your choices. You can adjust each goal independently and see in just a few seconds how each change affects your plan.

10,000 SIMULATED INVESTMENT OUTCOMES

With retirement, timing is often everything! 

The worst case retirement scenario is initially drawing from your retirement investments right before the stock market drops substantially. With those investments down in value, you must sell more shares to cover your expenses. Our software modeling not only simulates stock portfolio results with 30-100% equity holdings, but also runs 10,000 simulations with your particular goals. You can see the resulting average returns, the healthiest returns and most importantly, anemic or disastrous stock market returns, and how each impacts your financial plan and the likelihood of success.

INFLATION, TAXATION & LIFESPAN ADJUSTMENTS

Uncertainty is guaranteed … plan for it! 

Many factors affect a financial plan’s long-term strength. Inflation erodes purchasing power. Legislatures can increase tax rates. Changing your state of residence may change your tax situation for better or worse. Long life expectancies or a spouse’s premature death can each increase the risk to a financial plan. Using software allows us to simulate potential scenarios to test what events may require later changes or what risks may need mitigation by insurance.

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