Retirement Planning Services
  
The retirement planning area is a complex one. The services of a competent financial advisor with whom a long-term relationship can be developed will add value to the process. With ten years experience and the designations CERTIFIED FINANCIAL PLANNING PRACTITIONER™ and Chartered Retirement Planning Counselor™, I believe I meet the criteria of a competent financial advisor for retirement planniing services.

Retirement planning is an ongoing process, not just a one-time occurrence. Your planning will change over time as your situation changes and as relevant laws, including tax laws, change.

The structure of your portfolio will change over time. I have experience structuring and changing the allocation of assets within the portfolio is critical to achievement of your goals.

Retirement planning is also about physical and psychological matters, getting out of debt, and providing for medical, dental and long-term care needs. I can guide you through decisions about debt-paydown, long-term care insurance, and similar matters.

These are the services I can offer:

1) Gathering and analysis of client information.

2) Assistance with determination of financial retirement goals. 

3) Evaluation of your current financial status.

4) Personal advice on assumptions, such as retirement age, life expectancy, withdrawal rates, expected investment returns, income needs, etc.

5) Preparation of your customized personal roadmap.

6) Developing an asset allocation strategy suitable for your risk tolerance.

7) Comparison with existing asset allocation plan, pointing out differences.

8) Monte Carlo simulations to determine probability of achieving your goals.

9) Risk tolerance measurement.

10) Money management services, including selection of the best mutual funds.

11) Advice on what to do with IRAs and Roth IRAs.

12) Advice on what to do with a retirement asset from a previous employer.

13) Estate planning to protect against the death tax trap.

14) Planning for required minimum distributions, to avoid the major tax trap.

Starting early means a lower financial goal. Contact us today.