Services

How much money do you need to enjoy the lifestyle you want when you retire?  Most people underestimate the amount they need.  With life expectancies increasing, many people now spend a third of their lives in retirement.  The real challenge is how to have enough so you do not outlive your money. 

It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.  Most people have money goals, whether short term or long term, such as buying a bigger house, renovations, world travel, or building a retirement fund.  Whatever you wish to achieve, your actions need to be directed in order to attain your objectives. This is where financial planning comes into play. 

• Increase the income from your retirement accounts by 25% (or more) AND lower the chance of running out of money.  
• Reduce the tax you pay on your IRA and retirement account withdrawals by up to 70%.  
• Reduce the tax, you pay on your investment income (that’s income that comes from investments NOT in your retirement accounts) down to just 1%... instead of the 15%-25% (or more) you are paying now.
• Have you applied for the program that pays for 2-4 years of long-term care costs… WITHOUT having to pay expensive annual premiums?
• Have you applied for the program that will protect a spouse from losing ½ of their Social Security income at their spouse's death?