What it is like to be a retiree in 2024? 

You have to deal with healthcare costs, inflation, pension payout options, Social Security, and potentially rising taxes in retirement.

Then there’s the emotional roller coaster ride that financial media takes us on…

  • During any year the stock market could crash 20% or more (historically a 1 in 5 chance).
  • At any moment the bond market could crash 10% or more like during the **Savings & Loan Scandal** of the 1980s: The **1994 bond market crisis**, or the **Great Bond Massacre** not to mention the **2008 financial crisis**, or the **Great Recession**
  • At any moment, the banking system could fail, or the dollar could collapse. And now there are cryptocurrencies! Oh my!

There are so many options, so many factors, so many risks, and so many unknowns.

  • How do you know how much you need to save?
  • How do you know where to invest your money?
  • How do you know when to retire?
  • How do you know how to avoid taxes and fees?
  • How do you know how to protect your assets from inflation, market crashes, and lawsuits?
  • How do you know how to generate income for life, without running out of money?
  • How do you know how to plan for health care, long-term care, and estate planning?

These are not easy questions to answer. And if you make a mistake, it could cost you dearly.

Retirement is a trip that takes some serious planning. 

Our main focus is working with retirees, and we begin working with them as they approach retirement and then navigate through the complex decisions, maze of rules, special tax laws, and penalties for accessing their retirement accounts.

Over the years, we have found that people don’t make financial mistakes on purpose, it’s just that they didn’t know any better! 

Unfortunately, many retirement decisions are once-in-a-lifetime decisions and may be irrevocable. 

You will need to choose wisely.

Although the Internet’s easy access to information has helped make it possible for people to manage their finances independently, you will find the financial world is rife with con artists, greedy financial institutions, misleading methodologies, legal regulations, and even our own biases make it harder to make smart financial decisions.

It takes a significant amount of time to research, learn, and stay current with the ever-changing rules of money.

So, unless you are a little on the odd side (like we are) and really like this kind of thing, you probably wonder if you are making smart financial decisions.

That’s where we come in.

We have made it our mission to offer innovative financial strategies, technology, and planning to families, resulting in smarter financial decisions.

We are dedicated to helping our clients:

  • Plan and invest for your retirement with confidence,
  • Lay out your options, and make clear recommendations, 
  • Then, meet with you regularly and help you make ongoing decisions.

Our offer is to assist you in planning for various issues: 

Our team has invested a significant amount of effort into studying various employee benefit plans to better advise our clients. These include, but are not limited to: