Planning to retire On your terms
Years of work have brought you to the moment where you take a step back from the workplace and pivot into a new stage of life. The challenge now is making your resources last while you live the life you’ve envisioned. As your dedicated guide, we can help you take a tax-efficient approach to retirement income and help ensure your investments are in sync with your financial plan and tolerance for risk. We can also help you continue to pursue goals that bring your life meaning.
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We are here to make legacy planning a positive, life-affirming endeavor that leads to the preservation of your family values and your assets transferring efficiently and according to your wishes. We have access to professionals in trusts, insurance, philanthropy and family dynamics. Our team is also adept at working with others – such as CPAs and attorneys – to help ensure a well-coordinated approach.
If you’d like to make charitable giving part of your financial and estate plan, we can help you select the right charitable giving strategy to help further your overall wealth management plan. Our goal is to help ensure tax-efficient giving so your estate or charity of choice receives the most benefit from your gift.
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Many of today’s retirees can expect to spend 30 years or more enjoying the fruits of their labor. That’s why it’s increasingly important not simply to plan for retirement, but to plan for a long retirement. Key questions include:
- Where will you live?
- How will you get around?
- How will you safeguard your health?
- Who will take care of you?
- Will you have enough?
We can help you make a holistic plan for retirement that takes into account your preferences for housing, transportation, healthcare, caregiving, lifestyle and more, adjusting the plan to make sure it stays in harmony with your life.
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Fixed income investments are an essential component of a well-diversified financial plan and can support your aspirations with a reliable stream of income.
With a deep understanding of bonds and fixed income investments, we can help you integrate these core investments into your custom financial plan using a process that is defined, focused and disciplined – the characteristics needed to help preserve your hard-earned wealth, while striving to provide predictable cash flow now and in the future.
Please keep in mind that diversification and asset allocation do not ensure a profit or protect against a loss
Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may receive more or less than your initial investment. Holding bonds to term allows redemption at par value, barring default or an early call at the issuer’s option. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices rise.
Income from municipal bonds is generally not subject to federal income taxation; however, it may be subject to state and local taxes and, for certain investors, to the alternative minimum tax. Income from taxable municipal bonds is subject to federal income taxation, and it may be subject to state and local taxes.
U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, typically offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government.
