OUR SERVICES

How we help you

Our clients are at, near or well into their retirement years.  Objectives we can assist you with may include:

• Planning to help maintain an independent lifestyle “I’d like to stay in my home as long as possible.”
• Preparing for various life transitions expected or unexpected “My spouse may have dementia.”
• Transition into retirement “Am I in financial shape to retire now?”
• Review of existing investments “My husband said to leave the investments alone and now that he is gone I’m need more income.  What should I do?”
• Insurance “I’m not sure if I have the best medicare coverage plan for me.”
• Diversifying and managing assets “Our portfolio does not grow, is this normal?”
• Providing for a grandchild’s education “Is a 529 Plan an appropriate college savings plan?”
• Planning for in home care or long-term care “We’re not sure what our home health care policy covers.”  Should we have a home care or long-term care policy?”
• Reducing tax burdens “I’d like to pay my fair share of taxes– only.”
• End of life planning “I don’t want to burden my children.”
• Implementing charitable intentions “Do I have the ability to help my children now or will I run out of money?” 

We create and implement a unique Dynamic Personal Life Planning process to help you obtain your important goals.  Your Dynamic Personal Life Plan is regularly monitored and updated to reflect changes in your goals, resources and life circumstances that may impact your plan. Our ongoing process includes:

• Annual goal tracking—while managing life changing events
• Ongoing asset and investment management
• Cash flow planning
• Regular tax planning to optimize your current and future tax situation
• Regular review of your estate plan and beneficiary designations
• Yearly update of insurance needs, including assistance with “shopping” for coverage
• Major expense planning – new car or summer home
• Long-range and lifestyle planning

Your Dynamic Personal Life Planning process includes estate planning, insurance shopping, tax planning, mortgage shopping, and auto purchasing assistance.  We work as a team with you and your estate planning attorney, insurance agents, and accountant. This helps to make certain we all understand your Dynamic Personal Life Plan– and all work together to help you reach the goals that are important to you.