Retirement Assessment

1. An answer the question "When can I retire?" 2. A thoughtful investigation of your Values and Goals for retirement 3. A one-page Snapshot of your complete Financial Life 4. Your annual retirement income clearly spelled out in dollars 5. Identification of the Sources of your Retirement Income over time 6. An Investment Portfolio designed to meet your retirement needs 7. A Sustainable Portfolio Withdrawal Plan 8. An Optimized Social Security claiming strategy 9. An Estimate of future Tax Liabilities 10. A Tax Planning Strategy that can save potentially hundreds of thousands of dollars in future taxes 11. A Strategy to address Long Term Care needs 12. An estimate of the Estate that you will leave to your heirs

After the 30 minute intro call we will have 2 meetings lasting about 1 hour each with a week in between to prepare the assessment report.

Yes! We have clients all over the United States. We are able to meet with clients and potential clients through video conferencing software. We can share documents confidentially through a secure online vault. 

We are a commission-free (fee-only) retirement & tax planning firm. Our clients pay us directly. Our fees are transparent & simple to understand. We do not sell financial products or make commissions.  One transparent fee includes the management of all your investment accounts and ongoing retirement and tax planning. We strive to create a personalized reliable retirement income solution, lower your taxes, invest smarter, and help you to have peace of mind.

We do our best work with people looking for a long-term relationship. Currently, our firm is not equipped to offer an hourly fee schedule. However, we offer a Retirement Assessment that will provide you with a series of specific recommendations to get you started. 

There are a few really important things about our firm that separate us from others:
1. All we do is retirement planning. We are retirement specialists with a simple goal of making sure that your money supports your life for the rest of your life.
2. We limit the number of new clients we take on to deliver personalized service. 
3. We use evidence-based research in developing financial plans and investment solutions for you. 
4. We invest in industry-leading technology to simplify our client's lives and make retirement easy.

Great question! But first, let us explain why you shouldn’t hire us. If you’re looking for an advisor who will trade stocks to “beat the market,” you’re in the wrong place. We focus on things we can control. So if you’re interested in things like lowering your tax bill, investing smarter, creating a reliable income stream, and enjoying a meaningful fulfilling retirement, you’re in the right place.

In reality, fewer than 1% of mutual fund managers consistently beat the market based on superior market-timing or stock-picking skills. The truth is that beating the market is just not important. What’s important is developing an investment strategy that will achieve your goals and is aligned with your tolerance for risk. We can help you to do that. The key elements of this approach include low costs, diversification, appropriate risk-adjusted return, and limited trading. See our Investment Philosophy for more information on how we approach investments.