Complimentary Services
FEDERAL BENEFITS COACHING
There is almost no training for federal employees regarding their federal benefits or how these benefits operate in retirement. We review both agency-specific and personal federal benefits as well as the cost of on-going federal benefits for use in retirement planning and coach employees on how to get the most out of the benefits available to them.
INCOME MAPPING
The most common question we hear from clients or potential clients is whether they have saved enough for retirement. We utilize specialized tools and applications to project how retirement savings will behave during retirement with an eye toward forecasting shortfalls, identifying gaps, and minimizing risks to answer that question or determine the best date for retirement.
RETIREMENT PLANNING
People are living longer and are experiencing prolonged, elevated inflationary pressures. With fewer and fewer companies offering pensions or helping their employees plan for/navigate retirement, it has become increasingly important to orchestrate a retirement plan with a licensed financial advisor. Whether you are early in your career, a seasoned associate, or approaching retirement, we can review your retirement objectives, analyze your retirement assets and help you determine the optimal time to retire
SOCIAL SECURITY MAXIMIZATION
Social security can be confusing. We provide an in depth analysis and comparison of hundreds of options for Social Security activation with personalized recommendations based on health, family history, and many other factors that can help you get the most out of Social Security.
LIFE NEEDS ANALYSIS
It's difficult to pinpoint the right amount of life insurance. We perform a detailed review of all available options including employer-sponsored life insurance to determine the appropriate amount and method of coverage for all phases of life to ensure the appropriate amount of protection for you or your family.
PORTFOLIO ANALYSIS
We offer a complimentary analysis of your current portfolio for all prospective clients which includes a detailed review using market data and analytics of the overall portfolio performance as well individual positions to ensure they are adequate to meet the client or prospective client's goals/interests, growth objectives and are in line with their risk tolerance.
BUDGETARY COUNSELING
For many people, the hardest part of each new year is receiving the W-2 from the previous year and wondering what happened to all the money they made. We work with clients to prepare a functional working budget, minimize unnecessary expenses, address credit card debt, plan for big-ticket expenses in advance and ensure adequate savings metrics are met.
Paid Services
After performing a detailed risk tolerance analysis, we monitor and manage client investments using pro-active investment strategies designed to provide stability and growth in line with each individual client's risk tolerance and portfolio positioning. This includes analysis of tax liability and implementation of tax-minimizing strategies such as ROTH conversions, issuing distributions to supplement income and calculating required minimum distributions.
ASSET/INVESTMENT MANAGEMENT