Retirement Planning is financial planning for the spending years versus the accumulation years. The emphasis you should place on retirement planning does change throughout different life stages, so it’s important to work with a trusted financial professional that will help you map out your long-term goals and adjust your retirement plan if any major life events occur. When you plan your finances and lifestyle choices, it becomes much more likely to achieve that dream of a secure and happy retirement. We can help you build wealth, minimize market losses, protect your principal, and generate retirement income you can’t outlive.

We can help guide you along the path to—and through—retirement. No matter where you are in life, we can provide guidance, tools, and services to help you prepare for retirement on your terms.

In theory, investing should be easy—just buy low and sell high—but most of us have trouble following that simple advice. There are principles that may enable you to put together a customized strategy that reflects your risk tolerance, time horizon and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

Investing is about reaching your financial goals: retirement, paying college, or just providing for your family. Working with a financial professional can offer personalized, professional guidance to help you reach your investment goals. We will take the time to understand your complete financial picture and tolerance for risk — and provide a strategy to help you maximize all elements of your financial life.

Understanding tax strategies and managing your tax bill should be part of any reliable financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

Tax planning is an important component for your overall financial plan. Careful planning throughout the year can assist you in reducing the taxes you pay – as well as help you achieve your financial goals.

In addition to planning, we specialize in resolution strategies including but not limited to: Back taxes, Tax Liens, Penalty Abatement and more!

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate plan can spell out your healthcare wishes and ensure they’re carried out – even if you are unable to communicate. An effective plan can even designate someone to manage your financial affairs, should you be unable to do so.

It’s never too early to begin thinking about your legacy or to shape your estate plan. Contrary to what many people think, you don’t need to be a millionaire to have an estate plan. An estate plan is an important part of any ongoing financial planning process.

A 401(k) rollover is the process of moving savings from an existing account to a different 401(k), an individual retirement account, or an IRA. When you roll over your 401(k), you put your money in an account that offers the potential for tax deferred growth and may be advantageous for retirement savings.

Knowing when to roll over your 401k and what options may be available to you can make all the difference in retirement. Retirees typically have four choices, and they may choose a combination of those options depending on their individual situation and retirement goals.

Depending on where you are on your retirement journey, you may have several ways to approach a 401(k) rollover. Some popular rollover types include:

• Traditional IRA
• Roth IRA
• Transfer your 401(k).

Many 401(k) plans allow you to combine your previous 401(k) to your new employer’s plan.