The Problems We Solve

People often come to us for help in solving problems. Below are some of the more popular problems we 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 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 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 More than 40 million Americans serve as the primary caregiver for their aging parents, and this phenomenon isn’t just a moment in time; it’s a growing trend. The number of family caregivers is expected to continue growing as more baby boomers transition into retirement years. Projections show that by 2040, more than 80 million Americans will be age 65 or older. The Sandwich Generation, which mostly consists of older Generation Xers and younger baby boomers, experiences both emotional stress and financial challenges as over-wrought caregivers. Their time and attention are divided; their finances strewn across checks, cash and credit card charges. All the while, they are trying to save and plan for their own retirement. Older Parents On average,…


What Could Tariffs Mean For The Economy — And Your Investments?

Overview On May 30, President Trump threatened new tariffs on all goods imported from Mexico. Effective June 10, the U.S. would levy a 5% tariff, increasing the rate by an additional 5% each month until reaching a permanent rate of 25% by October. The president stated that tariffs would only be lifted “if the illegal migration crisis is alleviated through effective actions taken by Mexico.” On June 7, after several days of negotiating with Mexican officials andjust three days before the tariffs were set to go into effect, PresidentTrump announced the tariffs would be “indefinitely suspended.” These announcements came in the middle of the trade war with China, which has been brewing since mid-2018. The U.S. and China have yet…