Helping you to and through retirement.

• Identifying and addressing risk factors to clients comprehensive plan, as well as the options and their best opportunities in each area
• Life Insurance: Multiple types of strategies and options, including Living Benefits
• Long Term Care Protection: Multiple product and benefit options. Typically a hybrid solution with benefits in multiple areas. We have a deep understanding of and access to many options, and our focus is on helping you and your family incorporate the right amount and type of protection in the most efficient way possible.

• Analyzing your investment portfolio
• Creating the right asset allocation
• Minimizing investment risk ideally while maintaining attractive growth potential
• Financial market education/analysis
• Access to unique investment strategies including structured notes, both growth and income notes.

The Value of an Advisor: Clarifying roles values and expections

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• How to optimally withdraw from your retirement accounts based on your tax outlook and risk tolerance. Choosing which of the retirement income strategies are right for you.
• The appropriate level of risk with your assets as you transition from the working years to the distribution years
• Available income in retirement: Identifying, prioritizing and allocating retirement Income sources appropriately
• Social Security Benefit decisions, selecting the right pension option if that applies and planning ahead for required minimum distributions (RMD’s)

• Awareness of your Tax picture in retirement: Factoring in multiple scenarios, including Social Security Benefits, RMD’s and future tax bracket changes
• Income tax planning: Taking advantage of annual tax planning opportunities, including Roth Conversions and reducing future taxable retirement assets without having to pay conversion taxes