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 Charitable giving is one of the oldest traditions practiced by mankind. The ancient Greeks believed philanthropy was fundamental to democracy. Hindu scriptures asserted it was an imperative duty, and charity is considered a sacred foundation for the religions of Christianity, Judaism and Islam. In more modern times, charitable giving has been incentivized by the tax deductibility of donations. However, the 2017 Tax Cuts and Jobs Act (TCJA), which went into effect Jan. 1, 2018, brought an increase in the standard deduction. That means fewer taxpayers are claiming itemized deductions — including charitable deductions. As of May 2018, 31 million taxpayers had deducted more than $147 billion in donations. By May 2019, only 11 million taxpayers had deducted just under…


Weathering the Storm

Remember the adage, “March comes in like a lion and goes out like a lamb”? It certainly held true for the market this year; we gently entered the second quarter following the first quarter’s relatively mild volatility and strong performance. But in late April, the lion roared again — and volatility returned in full force. Mid-quarter, the Nasdaq and the S&P 500 closed down four weeks in a row, while the Dow saw six straight weeks of losses. The market’s sudden negative outlook seemed to be driven by the on-again, offagain news of the trade deal with China. More than once, hopes rose on reports we were on the brink of a deal, only to be dashed by another postponement.…