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Retirement Planning

As retirement expectancies continue to increase, many people could spend up to one-third of their lives in retirement. As a result, actively planning for retirement may be one of the most important choices you make. Through our comprehensive retirement planning services, we work closely with you to create a personalized strategy that incorporates your benefits package, takes advantage of tax-deferred and tax-free retirement accounts, and addresses any questions you may have regarding your estate, Social Security, and insurance.

Benefits Plan Optimization

Executive compensation packages and employee benefit plans offered through your employer are a great way to save for retirement. However, selecting the best options and maximizing contributions can cause uncertainty. Our team includes several professionals who are highly experienced in pensions (defined benefit plans) and 401(k)s (defined contribution plan). We can help you understand how your retirement plan works, how to optimize benefits, and coordinate your plans with your other retirement and investment strategies. While we work with employees from all industries, a large number of our clients are within the utility and power sector and Fortune 500 companies.

Income Planning

Income planning is a critical element of a solid retirement strategy. A critical financial goal is to have a consistent and reliable stream of income that will last through retirement. We can help you identify how to shift from retirement savings to retirement income, how to estimate monthly income, and how to ensure those assets last.

Social Security

As you approach retirement, you may have a number of questions regarding Social Security. We understand the complexities of Social Security, and can address your questions and help you optimize your benefits.

Estate Planning

Many people do not just want to make their assets last for their lifetime; they want to leave a legacy for their heirs. However, the financial side of estate planning is often overlooked and can have a significant impact on your family. We can assist you in articulating your estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs.

Tax Planning

Many people want to reduce their taxes as much as possible as they plan for their retirement and create a tax-efficient income stream. While decisions are rarely made solely on a tax impact, it is important to 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, deduction planning, investment tax planning, and year-end planning strategies. Working with your CPA or one of our strategic partners, we can help you determine appropriate ways to minimize taxes.