The most important thing is having a comprehensive written retirement income plan to guide you through retirement, to be used as a road-map to help you make the best decisions with your money. Having a written financial plan will help you avoid confusion, mistakes, misunderstandings, and to significantly improve the probability of a successful retirement plan. 

When and how to take Social Security may be one of the most important decisions you make.  We help you not only maximize your benefit, but optimize it by taking into consideration the potential taxation of your benefit

Do you have a plan that will provide you with a secure income stream for the next 30 years or more of retirement? One of the most common concerns for retirees is wondering if they’re going to run out of money. Making the transition from accumulation to a long-term income stream requires a different set of investment strategies.

DSTs (Delaware Statutory Trusts) are an investment vehicle for investors who want the benefits of owning real estate without becoming a “landlord,” as well as current real estate investors who no longer want the responsibilities of being a landlord. 

Long-term care can quickly use up your savings, so it needs to be part of your financial planning process.  There are many ways to fund LTC insurance that don’t require you to pay increasing premiums for life, with nothing to show for you money if you never use it.

Effective estate management enables you to manage your affairs during your lifetime and control the future distribution of your assets. An effective estate strategy minimizes what the IRS gets and maximizes what your family keeps. But it takes planning.