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Selecting your benefits package

Each employer has their own unique set of benefits offered to employees. As an employee, you want to make sure your benefits are optimized to your family’s current needs while protecting you for the long-term. Depending on what stage of your career you are in, certain benefits will be viewed with a higher level of importance.

Since we focus on families approaching retirement, we center our benefits planning around how to best position for that transition. Our goal is to mitigate risk and make sure we have accounted for all possible scenarios.

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Protecting your nest egg

In an ever-changing world where the markets always seem volatile, it is important you have a discipline investment strategy. This strategy should compliment both your long and short-term goals while managing the appropriate risk. 

As your nest egg grows, risk management becomes more important. This focus is crucial when you transition from contributing to distributing. You have worked hard to get to this point, we help to protect it.

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Income for life

The most common question a soon-to-be retiree asks is, “Where am I going to get income from?” It is critically important that we have a well-defined process for determining where your income is coming from. 

We help design a plan that is right for you. Each person’s situation and resources are different, so there is no one-size-fits-all.

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Tax mitigation strategies

With a rising national debt and multiple rounds of stimulus, we should anticipate a world of high taxes. Although we can’t avoid taxes, there are some techniques we can utilize to help you retain as much of your wealth as possible. Tax planning should consider both current and future obligations.

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Probabilities-based planning

This may be a new term for many people exploring financial planning. Since there are no certainties or guarantees in how your financial life plays out, we need to look at your situation in terms of probabilities and what is most likely to happen.

Through this process, we will determine which decisions are most impactful to help you meet your goals and financial independence. The Retirement H.E.A.L.T.H. Stress-test© was built for this

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Planning for sudden wealth

You may have experienced an event where you have received a significant amount of money. Significant is only important if it is significant to you! This shock of new money may create a level of emotions and uncertainty around what to do next.

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