Our Services

 

We specialize in retirement planning and investments. Before discussing specific investment ideas for your retirement program, it is important that some type of plan be created first. This doesn’t have to be a long, complex and expensive process; in fact, this part of our consultation is free. Nevertheless, certain questions need to be answered, such as:
 
  • How much do you need to save/invest?
  • How can you best reduce your taxes?
  • How aggressive should you be with your investment/savings?
  • When can you afford to retire, or if you are retired, what is a reasonable income to draw?
  • And many more...
Initial planning is needed to answer these questions; otherwise, proper decisions cannot be made regarding your savings and investment plans.
 
We work with virtually all types of retirement and investment plans:
 
  • 403(b)s
  • TSAs 401ks
  • IRAs
  • ROTH IRAs
  • Taxable Accounts
  • College Savings Plans
 

Retirement Planning

Retirement planning is another free service that we provide to our clients. The first step is to set goals for when you want to retire and the type of lifestyle you wish to have during retirement. Using sophisticated computer modeling, we help our clients determine how they can best reach those goals by determining how much to save, how to invest what you save and how to modify your plan over time. Clients often follow inappropriate savings and investment plans that have an impact on when they can afford to retire. Many people spend more time planning a two-week vacation than their retirement. We help our clients solve that problem by doing much of the work for them. In the end, our aim is to put you on the most direct road to reaching your retirement goal.

Investment Planning


Often overlooked and ignored, investment planning is extremely important. This means that you should make sure that your investments fit your profile: conservative investments for conservative people, aggressive investments for aggressive people. It also means making sure that your investments are allocated and diversified properly. We see many people who do not have properly allocated investments, which can mean that their returns are not what they should be. Since many people don’t like to worry about this, we worry about it for you. The returns on your investments can drastically change your retirement lifestyle, and shouldn’t be ignored! After meeting a client for the first time, we often restructure their investments to ensure that they are properly allocated to help them meet their retirement goals.

The bottom line: before choosing your TSA, 403(b), IRA, 401(k) or other retirement and investment programs, plan first, then make your decisions. Additionally, please see our page about our "Hi-Touch Investment Strategy." This is a proprietary investment strategy that we believe adds some special value to our clients.


 
Tax Planning
 
Tax planning is a free service that we provide to our clients. When we do tax planning, we take a close look at your income and tax situation. We use software programs to help analyze ways for you to reduce your taxes and your taxable income. In particular, educators have many tax breaks that they are often unaware of until they meet with us. Sometimes we show them how to save money in their TSA/403(b) without changing their net take-home pay. Sometimes we show them how to increase their take-home pay through proper tax planning. It is not uncommon for us to uncover ways to save clients thousands of dollars per year in taxes.

The strategies that we introduce are designed to help you reach your financial goals. Because we do not prepare your taxes, our services are not meant to replace the advice of your CPA or professional tax consultant. You should have them review our recommendations, as they may have a more detailed view of your complete tax situation .