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 There’s an app for seemingly every financial transaction or budgetary needconsumers have. In fact, there are likely dozens if not hundreds from which to select for each type of activity, from tracking your spending to investing. Some tools are focused on a particular goal. For example, a micro savingsapp may automatically transfer small amounts of money from one account to another on a regular basis, while another may round up the total on each of your purchases and redirect the change to a separate savings account. There are apps that track your credit reports, offering additional tips andinformation on paying off debt and improving your credit score. There are apps that allow you to invest on the fly, including…



Overview We approach the new year with indications of a potential economic decline in the near future. Given the continued strength of the economy to date, there are mixed views on when and how severe a possible recession may hit the U.S. As the accompanying graph demonstrates, it’s perfectly normal for economic cycles to ebb and flow. History of U.S. Economic Cycles We’re actually quite overdue for a correction. Notice on the chart that the longest running economic expansions in U.S. history — nearly 10 years each — have occurred over the past 20 years. The expansion that started in 1991 lasted until 2001. There was another expansion that started later in 2001 and lasted until early 2007. Then the…