• Focus on the fundamentals to get you on track, your saving goals, and an investment plan to plan forward for your financial independence. This service helps address two questions – Am I on the right path? What should I be doing to plan ahead for retirement? Typically for ages 20’s to 40’s.

Comprehensive Retirement Planning – $2,000 fee

• This is our most in depth retirement planning service to prepare you for success in retirement. We factor in your current financial standing, your goals and dreams, your debt plan, your optimal retirement lifestyle, utilizing Monte Carlo simulation, and multiple scenarios so you receive an professional viewpoint of what you need to do to get across the finish line. Two primary questions are addressed – When can I retire? Should I retire? Most suitable for ages 45-65.

Retirement Income Planning – $1,500 fee

• A master blueprint for what your first 10 years of retirement living looks like. We show you how to work towards maximizing your Social Security, defined benefit plans, and how to position your portfolio to support you for your retirement living years. Strong emphasis is placed on pursuing tax efficiency. The primary questions answered are - How do I retire? Where do I draw money from? This service is most useful if you are retiring within two years or you are currently retired. 

Other Retirement Planning Capabilities

• Healthcare Insurance – Before and after age 65.
• RMD Requirements – What happens at age 70 ½ and later.
• Tax Analysis – What am I paying and what should I expect to pay in retirement?
• 401k Recommendations – Are you invested in alignment with your goals and risk tolerance?
• Social Security Analysis – What is the best choice for your situation?
• Pension and Survivorship Analysis – Considering your financial position and personal goals, what option should you choose.
• Roth Conversion – Is it beneficial to me for the long term?
• Type of Retirement Account – Am I taking advantage of the best plan? Are there other accounts I should use?
• Monte Carlo Simulation* – This analysis looks at the probability of your money lasting through different environments (varying levels of returns and inflation)
• Retirement Income – Do you have a funding gap and how best to fill the gap?
• The RV life or maybe it is traveling abroad – Let’s design your retirement
• Long-Term Care – Do you have a plan?

*About Monte Carlo: Monte Carlo Simulation is a risk and decision analysis technique used to evaluate the outcome of portfolios over time using a large number of simulated variables to generate possible future returns.

There are many variables that can affect a financial plan. Two of the most volatile variables are inflation and investment returns, both of which, historically, vary on a daily basis. Even with this knowledge, most financial projections use constant inflation and investment rates over the period of the analysis. The use of these averages is used as a start for the planning process, since the actual values are unknown. Unfortunately, however, this type of analysis illustrates only one outcome, thereby requiring that simulation be used to imitate real-life situations. In order to produce meaningful results, these simulations are processed many times. By varying the rates of return and inflation to simulate the fluctuations that can be experienced in the marketplace, a more realistic reflection of the anticipated ups and downs of the investment environment is presented.

In order to create a Monte Carlo simulation model, historical performance of the securities market must be analyzed. This analysis does not utilize historical data for any specific securities. Rather, it uses the historical data for broad asset classes, such as "Small Cap. Equities" and "Long Term Bonds." This analysis takes into account not only the historical values of various investment factors (prices, inflation, etc.), but also the interrelation of these values and the correlation between investment periods. The econometric modeling method is used to generate the capital market data used in the simulations. This involves modeling the movements of yields through time and then layering on various equity risk information to derive stock returns. This results in many economies being simulated for a given time period.

These multiple simulations produce a range of results. These results are then analyzed and probabilities are associated with the outcome. Due to the random nature in which the simulations are generated and the regular updating of historical asset class data, the results may vary with each use and over time, even if the underlying assumptions are not changed.

Important: The projections or other information generated by Monte Carlo Simulations regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. An investment cannot be made directly into a Monte Carlo Simulation. There are limitations in using a Monte Carlo Simulation, including the analysis is only as good as the assumptions, and despite modeling for a range of uncertainties in the future, it does not eliminate uncertainty.

The results can be presented various ways, but the ultimate goal of a Monte Carlo Simulation is to educate and communicate about the uncertainty of the future, so you can make educated decisions about your specific situations.

Investment Planning

Portfolio Analysis - $2,500 fee

• Know how you're invested, assess strengths & weaknesses, and discover what is missing. Including a personal risk assessment and Morningstar in-depth portfolio reporting. No specific investment recommendations given in analysis. Investment proposal provided complimentary.

Other Investment Planning Capabilities

• Stock Option Analysis – Is it a good deal? Understand how leverage affects your returns. Concentration risk.
• Concentrated Stock Analysis – Opportunities to diversify your holdings with or without realizing capital gains.
• Annuity Analysis – Are they right for your situation? What is the cost and benefit?
• Defined Contribution Plan – Evaluate potential options. Important for small business owners.

Tax Planning Strategies

Tax Opportunities – $1,000 fee

• Find out if you are maximizing your tax benefits.

Tax Analysis – $1,500 fee

• Would knowing your future estimated taxes (looking out years ahead) affect what you do this year? This information can open multiple planning opportunities.

• Find out if you are subject to estate taxes. Understand the process of asset flow in the event of your death. Review necessary documents.

Retirement Community Analysis – $1,000 fee

• Compare living options as it relates to your financial plan. Assess buy-ins, monthly dues, and ancillary costs.

Insurance Planning

Life – $1,000 fee

• Provide for the ones you love after your passing.

• Guard against financial insecurity during difficult health times. Health crisis can happen strike at any time.

• Protect your family and finances through a challenging life stage. Long term care takes the worry away.

• Know that all you’ve worked for, will be protected should a key partner pass.

• Debt Planning – Are you on a effective path to pay off your debt? Should you accelerate debt payoff? How much to keep in savings vs. paying off debt?
• Mortgage Analysis – Find out if you should invest extra cash flow or pay down your debt.