People often come to us for help in solving problems. Below are some of the more popular problems we help solve.

How much can I spend in retirement?

Another way to phrase this problem is “will I run out of money?” When you were working and had a paycheck coming in each month you knew how much you could safely spend. Once retired, you may need to supplement your social security, pensions, and other steady income with money from savings. You need an income plan that can both help you establish how much you can spend, and provide a way to see if you are on track as the years go by. A good plan may allow you to spend more in the early, more active “go-go” years of retirement, then cut back as you move into the “slow-go years.” Creating an income plan is one of the key things we do for clients.

Do I have the right investments?

In today’s world, we are constantly being pitched a wide variety of investment options. Once you get to retirement how do you know what to choose? It all starts with the income plan. If you don’t have a plan for where the money will come from for the rest of your life how can you begin to know what to invest in? Yet many people we meet with seem to have a “junk drawer” of investment statements, with no idea how they fit into their retirement income goals. We help clients develop a plan, then fund it with investments it calls for.

I’m paying too much in taxes.

We have yet to meet the person that wants to pay more than their fair share of taxes. While working a person’s regular income usually came from a taxable paycheck, you had little control over the taxes you paid. This changes in retirement. For the first time, you may have significant control over where you take the money from and thus how much you pay in taxes. You may be able to balance the withdrawals over time to help minimize your taxable income. You may even be able to “pre-pay” some taxes in a lower bracket using strategies like Roth conversions. We work with a client and their tax preparer to integrate their tax plan with their retirement income plan.

How will I pay for Long Term Care?

The good news is we're living longer. The bad news is it often means we could have increased medical cost. Traditional Long Term Care insurance has gotten more and more expensive. At the same time, newer “hybrid” policies have appeared on the market, opening up options we didn’t have before. We can help you compare your options and decided what strategy might be right for you.


Overview On Dec. 20, 2019, President Trump signed into law the Setting Every Community Up for Retirement Enhancement (SECURE) Act as part of a year-end appropriations package. This bill is designed to help employers sponsor more effective retirement plans for their employees and update some individual retirement plan rules. The provisions of the SECURE Act went into effect on Jan. 1, 2020. “To a large extent, the SECURE Act is a hodgepodge of a lot of little retirement policy initiatives that have been on the minds of policymakers for the last several years.” Retirement Plan Contributions Historically, one of the problems with retirement plans is that contributions are limited each year; unlike taxable accounts, which allow you to generally invest…



2019 Goes Out With an Economic Bang After a strong Q3, momentum continued throughout Q4 as we repeatedly hit new highs to close out the year. Q4 market drivers were the same we’ve seen all year; namely the China trade talks, the Federal Reservice, and political turmoil in Washington. The U.S. and China returned to the negotiating table this quarter, eventually reaching a Phase 1 agreement that suspended additional tariffs scheduled to take effect in mid-December but leaving existing tariffs in place. While China agreed to buy more agricultural products from the U.S., the most difficult discussions remain, including those related to forced technology transfers, intellectual property theft, currency manipulation, government subsidies to Chinese businesses, etc. It remains to be…