Retirement Planning

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Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual's retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put into place during the wealth-building life span should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

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Retirement is a Journey

Retiring can be a thrilling adventure. You can discover new hobbies, relax and appreciate life’s little joys, and spend quality time with loved ones. To make the most of retirement, it’s important that you’ve managed your resources wisely. Let’s work together to help you create a purposeful, joyful, and adventurous future.

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Develop a Comprehensive Plan

No matter what your level of wealth, working with us can help you pursue your goals. Together, we’ll go through a comprehensive process for managing your financial life and creating a long-term plan customized to your needs. The process starts by examining the wealth strategies universe and its modules:
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Accumulation planning addresses an individual's investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance.

In today's world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.

Asset allocation is used to distribute your investable assets among a variety of investment categories. This process seeks to:

  • Reduce overall investment risk
  • Create more reliable investment forecasts
  • Improve the risk/return tradeoff of your portfolio

Risk management is intended to manage financial and other losses potentially associated with risks to your assets, business, or health. Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability. Your first line of defense is to identify your sources of risk and then to either avoid or minimize the major exposures. Your last line of defense is insurance.

Asset protection planning manages risks to your wealth. Lawsuits, accidents, property damage, and other financial risks are facts of everyday life and asset protection planning looks to transfer the risk of these events through:

  • Insurance
  • Repositioning asset ownership
  • Other protections available under the law

Tax planning considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. Although decisions are rarely made solely on their tax impact, you should have a working knowledge of the income or estate tax issues and costs involved.

A major goal of tax planning is minimizing federal income tax liability. This can be achieved by:

  • Reducing taxable income through income deferral or shifting
  • Deduction planning
  • Investment tax planning
  • Year-end planning strategies

Retirement planning involves evaluating your current financial standing and creating an accumulation strategy that will help to ensure a desired retirement lifestyle. Because an individual's retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan put into place during the wealth-building life span should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

There are several ways to save for retirement:

  • Qualified employer-sponsored plans
  • Individual retirement accounts (IRAs)
  • Roth IRAs/Roth Conversions
  • Personal savings

Estate planning and coordinating with an Estate planning attorney creates a master plan for the management of your property during life and the distribution of that property at death.

For most people, estate planning will:

  • Give you more control over your assets 
  • Provide care when you are disabled
  • Allow for the transfer of wealth to whom you want, when you want, at the lowest possible cost

Common estate planning issues addressed in the wealth management process include:

  • The transfer of wealth
  • The minimization of transfer taxes
  • Asset protection
  • Charitable giving

Many people believe that a long-term care event will not happen to them.

You may be in good health, active, and not old enough to think about planning for a potential long-term care event. But have you thought about what a long-term care event could do to your family and your finances?

Consider a few facts about long-term care:

  • Long-term care refers to the assistance required when a person is unable to perform activities of daily living due to illness, accident, cognitive problems, or the frailties of old age. This custodial care includes needing help with bathing, dressing, eating, toileting, continence, and transferring.

  • Medicare doesn't cover most long-term care expenses.

  • Medicaid only covers nursing-home care once a person has depleted his or her own assets to poverty levels.

  • Actual cost of care will vary in each state. View the Cost of Long Term Care by State | Cost of Care Report | Genworth in your state.

The best time to talk about a crisis is before it happens. That's why we encourage you to have a conversation about long-term care with your family today.

By exploring each module in detail, we’ll determine which ones require our immediate attention and which ones are more long-term in nature. From our findings, we’ll assemble a comprehensive plan for your financial future.

Once we assemble the plan that best suits your situation and put it into action, it doesn’t end there. We’ll monitor the progress your money is making, and we’ll meet regularly with you to make sure your investments reflect your current life circumstances.

Defining the Wealth Management Process

Our Proven, Six-Step Approach

Intelligent investors often ask, “What is your wealth management process?” When it comes to managing our clients’ assets, we adhere to a proven system.

Establish Client & Financial Consultant Relationships

The goal here is to get to know you. We will ask you for relevant financial data, assess your risk tolerance, and determine your financial goals and needs. All future decisions in the Wealth Management process will stem from this information.

Gather Data

We will identify your principal needs and work with you to prioritize both short- and long-term goals.

Analyze Current Positions

We will assess your current accounts and policies, looking closely for gaps or inconsistencies.

Present an Action Plan

Depending on your situation, we will draft a financial plan that may include a proposed asset allocation, a thorough retirement income and distribution plan, and a detailed action plan.

Implement the Plan

At this stage, we will make the decisions on a product level: Which investments should you use? Which types of insurance should you carry? Are annuities or insurance advisable?

Ongoing Review & Reporting

The final step in the Wealth Management process involves the continual monitoring of your portfolio. As time goes on, we will ensure that your assets remain diversified and that your objectives stay on track. Diversification does not assure a profit or protect against a loss in declining markets.

What we take into consideration

Our Investment Philosophy

Our process includes ongoing portfolio analysis, screening, investment selection research, and reviews (people, philosophy, process, price, performance, fees). You can be assured that any product we ultimately select, and any services we recommend, are chosen in your best interest. This is our fiduciary responsibility.

We cannot develop a plan without fully understanding you. It is essential that you communicate your financial goals and needs. We will help you identify your needs, and we will listen closely as you tell us your goals. Our job is to help you pursue your goals for today and tomorrow. We know that as time moves on, your financial goals and objectives will change. You can be assured that our financial plan for you will evolve simultaneously.

Asset allocation is the process of dividing your investment dollars among a variety of complementary asset classes, such as stocks; bonds; real estate; and short-term, highly liquid vehicles—including money market funds—so that your portfolio is well diversified. This strategy seeks to help meet your needs, based on your risk tolerance, time horizon, and investment objectives. Key benefits of a sound asset allocation strategy include reduced risk, more consistent returns, and greater focus on long term goals.

 There are many types of financial risks investors need to be aware of when thinking of their personal financial situation, retirement planning and wealth management.  All investments involve some type of risk. Financial risk is the measurable uncertainty that the anticipated return will be achieved. In many instances, investment returns are directly proportional to investment risks; as risk increases, so does potential reward—and potential loss. Although investors must be willing to bear risk in order to achieve an expected return, our main goal is to help our clients identify and manage financial risk through sound planning and financial control.