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As retirement gets closer, you may have a clear idea of how you want to approach this next stage in your life. You may be thinking about traveling, starting your own business or spending more time volunteering. As you prepare, we will work together to take a closer look at how your savings will support you in retirement, including how much you will need each month in order to live in a manner that suits your personal needs. We will review all your potential income sources, such as pensions, IRAs, 401(k), Social Security, annuities or other sources in order to make the most informed recommendation for you.

Making the most of what you’ve saved for your retirement and not outliving your assets requires smart, careful planning. You need to address complex issues – such as generating income from multiple sources and investing to stay ahead of inflation, while managing risks and planning to reduce taxes. Although accumulating savings was once the primary concern, the question is how to go about managing those savings so you can continue to spend throughout your retirement. Each income source has different tax implications so the order and rate of withdrawal are critical. In addition, I can also help you think about how you may want to access your money in retirement, such as receiving money at regular intervals like a salary, or withdrawing from an account as needed. It may seem a little overwhelming, but I can help you sort through your options and make sound decisions so you can focus on enjoying your retirement.*

An estate plan can be as complex or simple as you need it to be. Estate planning helps protect your assets and offers your loved ones a degree of financial security. You may also choose to set up your estate plan to support organizations that are important to you. I can help you throughout the planning process, from thinking about who you would like to provide for and how much you would like to set aside, to considering priorities for your family after you are gone. I can help you sort through your options, including tax management strategies, and develop an estate plan tailored for your lifetime and beyond.*