Retirement Planning

Reaching retirement is an event to be celebrated and treasured for its unlimited possibilities. For some people, it may mean the start of a whole new career or business venture.

With that in mind, we can provide you with sound and thoughtful planning alternatives that can help ensure a fulfilling and financially secure retirement.

Some key issues that we frequently address in a successful retirement plan are:

• Retirement readiness: Are you psychologically ready to retire?
• Retirement feasibility: Do you have the resources to meet your goals, and if not, what will it take? What are the probabilities that your portfolio will outlive you under different economic scenarios?
• Strategies to avoid tax penalties on early retirement plan distributions
• Evaluating highly-appreciated stock and stock option plans for minimum tax impact during retirement years
• Sources of income: Which pension option should you take? Which "bucket" should you tap into and when? Which strategies help lower your overall taxes?
• Beneficiary designations that stretch your IRAs and other retirement plan balances out over the life expectancy of the next generation

Prudent retirement planning can help protect decades of hard work and the careful accumulation of wealth from the inevitable impact of taxes and inflation. We partner with you to ensure the integrity of your most important life planning.

Planning Your Estate

Your estate is comprised of more than the possessions and wealth that you have accumulated over a lifetime. It also includes your values and aspirations to provide for future generations.

Unfortunately, without careful planning, many estates may be subject to extremely high levels of taxation. Beneficiaries might be forced to sell the family business, real estate or investments at an inopportune time-and at a steep discount in order to pay estate taxes or income taxes on retirement plans.

Other problems concerning your legacy might include unintended beneficiaries or heirs who are harmed by an untimely or youthful inheritance.

Our goal is to help you define then preserve your legacy. We can help you to reduce or even eliminate estate taxes and ensure that your heirs share your legacy in the way you desire. By using a host of sophisticated, generational wealth management and philanthropic strategies, we can help you protect and distribute your estate according to your wishes.

We work in close cooperation with your existing advisory team and/or a network of highly experienced professionals to help protect your legacy and assist you in meeting your objectives. Years of careful dedication and study enable us to hear your concerns-and find the best solutions.