Skip to content

FINANCIAL
PLANNING

Stop guessing and start planning with purpose. Our retirement income planning helps you understand your expenses, secure reliable income, and make room for what you’ve worked so hard saving and investing for—like travel, family, or that dream purchase. We’ll help you cover the essentials, fund your goals, and prepare for major costs like healthcare and Long-Term Care, so you can enjoy a well-lived life.

YOUR FUTURE DESERVES MORE THAN GUESSWORK

Do you know how you’ll cover your expenses in retirement, and still have the money to enjoy the things you’ve worked hard for? Most people plan for retirement by guessing what they’ll need, but why settle for guesswork when you could have a clear, confident roadmap? At the heart of financial planning is understanding your expenses, income, assets, and liabilities, so you can secure the funds for what you need, and ultimately, maximize money for what you truly want.

modern-equipped-computer-lab (1) 1-1

ARE YOU IN A POSITION TO ENJOY YOUR RETIREMENT?

Traveling, spending time with grandchildren, maybe relocating or buying that boat your spouse doesn’t want you to get—when we think of what retirement can look like, we often think of those things we’ve sacrificed doing during our working years. But now that we have the time to spend enjoying these goals and dreams, are we in a position to afford them or know how best to afford them? That question becomes critical as we try to determine what it is that we need to pay for throughout retirement and what it is that we want to pay for throughout retirement.

taylor-brandon-3HmP1kOdACU-unsplash

UNCERTAINTY CAN OVERSHADOW YOUR BEST YEARS

Retirement shouldn’t be overshadowed by constant concerns about how to cover your ongoing or discretionary expenses. Our comprehensive financial planning approach helps you identify and secure reliable income streams—pensions, Social Security, investment distributions, and other income sources—so you have a clear picture of where your funds will come from. We’ll build a detailed cash flow strategy that accounts for fixed and variable costs, ensuring you’re prepared for both essential expenses and the lifestyle goals you’ve envisioned. Without this kind of clarity, financial stress can creep into every decision, making it harder to fully live an enjoyable lifestyle.

When we’re younger, healthcare expenses seem more like a nuisance than anything else. Wouldn’t we rather spend our money on all of the fun things instead (some of which have likely led to increased healthcare expenses now later in life!)? But, reality sets in, and it’s time to understand where your money will go during your retirement years—and more often than not that answer is healthcare. On average, a married couple aged 65 can expect to spend $13,000 per year on healthcare. This number doesn’t include the nearly $110,000 it will cost per year for Long-Term Care. If these costs aren’t planned for, what might happen to your financial health when your physical health begins to deteriorate?

Depositphotos_493949078_XL

WE'LL HELP YOU CREATE A CLEAR, COORDINATED PLAN FOR EVERY STAGE OF RETIREMENT

Understanding these numbers with more clarity can help you plan for how to pay for them. That process involves truly understanding what funds will be available to you at what periods of time and how we can utilize this knowledge to inform your investment decisions. Ultimately, this will ensure your financial plan is coordinated and in sync with all its core pieces.

Our family can help you align your income, expenses, and goals into one comprehensive plan. We’ll work with you to secure reliable income sources, prepare for major expenses like healthcare and Long-Term Care, and create a strategy that will help you confidently pursue the lifestyle you’ve envisioned.

WHAT WE OFFER

Your financial life is complex—we simplify it. Here's the foundation of what we coordinate under Financial Planning.

RETIREMENT INCOME PLANNING

CASH FLOW ANALYSIS

HEALTHCARE & LONG-TERM CARE PLANNING

GOAL-BASED PLANNING

Every piece is designed to work together seamlessly, aligned with your priorities and long-term goals.

CONTACT US TODAY

Your Path to Financial Prosperity Starts Here—Let’s
Build Your Wealth Together with Expert Guidance and
Tailored Solutions

FAQs

Have questions? We’ve compiled answers to some of the most common inquiries about Financial Planning — so you can make informed decisions with confidence.

When should I start financial planning for retirement?

Financial planning looks different for everyone and therefore the process to achieve your goals might be longer or shorter than another family.  The key is to start the process and follow through with it.  Similar to a boulder rolling down a hill, you’ll find that in just beginning to ask the right questions, the solutions may come quickly.

How can I help make sure I won’t outlive my savings?

For many of us, outliving our assets isn’t so much of a concern as being sure you won’t outlive your lifestyle.  We can always make adjustments along the way to ensure we can meet our basic living expenses, but developing strategies now can help make sure we avoid mistakes down the road that could jeopardize the lifestyle we want to maintain.

What’s the best way to prepare for unexpected healthcare costs?

Knowing that healthcare expenses look different at different times in our life, it’s important to develop a strategy to address these with multiple resources.  Where we want to use healthcare insurance for the ongoing healthcare expenses, maybe we need to look beyond just Medicare or an employer’s healthcare plan.  And for some healthcare expenses, we might not qualify for insurance coverage, such as Long-Term Care.  But there are still methods for using our current assets to address even these hard to cover costs. 

How do you determine the right mix of income sources for retirement?

Income sources are unique to each family’s circumstance and determining the right mix may not be the right question to ask, but rather, what is the right way for these puzzle pieces to be put together to achieve both short and long term goals. 

Can my financial plan be adjusted if my circumstances change?

It’s important that we develop a dynamic financial plan, which is a key reason why our firm doesn’t “just sell a one off plan”.  The moment we come up with a plan for you and your family, the only thing we know for certain is that your life will change, the economy and markets will change, and the world will change.  So more importantly, we need a plan that provides agility for ongoing change.  We don’t want to make big pivots, but rather small course corrections along the way.

RELATED ARTICLES

OTHER WEALTH MANAGEMENT SERVICES

INVESTMENT MANAGEMENT & ADVISORY

We create strategic retirement plans that protect principal, generate secure income, and maximize investment efficiency.

TAX PLANNING & PREPARATION

We help clients optimize retirement income and reduce tax burden through effective tax planning and preparation.

ESTATE PLANNING & DOCUMENTATION

We help set up and update key legal documents, like Trusts, Wills, and POAs, to support your estate and legacy goals.