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For Individuals

Without a game plan, the path toward and into retirement can be difficult. Having a comprehensive and up-to-date retirement game plan, with a knowledgeable coach offering support, may help make the road ahead less strenuous. Working with individuals and families in all stages of retirement planning, we offer a wide array of services, including:

Income Planning

Income planning is a critical element of a solid retirement strategy. A major financial goal is to have a consistent and reliable stream of income that will last through retirement. We can help clients address critical questions, such as how to address income taxes, how to estimate monthly income, and how create a tax-efficient investment plan.

Tax Planning

Sound tax planning can be the foundation of a successful retirement and to that end we assists retirees with designing a tax efficient portfolio of investments intended to deliver income in retirement. Taxes and the ever changing laws surrounding them can be complex and difficult to understand. This is one of the many reasons we invite our clients to join us for quarterly reviews, to discuss our strategies to mitigate taxes as well as discuss their impact of taxes on cash flow in retirement.

Social Security Planning

As clients approach retirement, many have a number of questions regarding Social Security. How much will my income benefit be? How do I maximize my benefits? When should I begin taking Social Security? We understand the complexities of Social Security and can address our clients’ questions.

Investment Management

People transitioning into retirement are typically focused less on taking risks and focused more on managing and preserving their wealth. We help clients analyze their income sources and determine how to match them with future expenses, while taking into account risk management strategies.

Estate Planning

Many individuals, couples, and families don’t just want to make their assets last for their lifetimes; 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 one's family. We can assist clients in articulating their estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs.


As individuals age, the need for insurance may increase. Products like life and long-term care insurance are two ways individuals can protect their their family and assets. With so many available programs and plans, it can be difficult to determine an appropriate solution. We can help clients determine appropriate options by addressing Medicare concerns for those under and over 65 years old.

We can also help clients understand their options for health insurance — including changing employers, coverage, or switching carriers — as well as Medicare supplements and prescription drug plan solutions.