Retirement Planning

A critical component of any comprehensive wealth management strategy is retirement planning. We'll work alongside you to help ensure that you can enjoy your current lifestyle, even after retirement. Other goals include not having to worry about outliving your assets as well as looking at tax deferral strategies which can substantially reduce your current taxes. We can provide a variety of Individual Retirement Accounts and qualified retirement plans.

Our retirement planning services include:

  • Profit sharing/401(k) plans
  • Customized defined benefit plans
  • Simple and SEP IRA plans
  • Traditional Rollover and Roth IRAs
  • Deferred compensation plans

Other related services

  • Insurance planning
  • Investment management
  • Tax and estate planning




When can I retire?

Your retirement date depends on your overall financial plan.  How does your current plan measure up to your long-term goals?  We can generally safely state that your retirement age does impact your retirement income and don’t forget that retirees still pay taxes!  This is a huge decision for most of us and one that we would be happy to assist you with.

How much money do I need to retire?

Unfortunately, there is no magic number here!  This depends on your long-term goals and future income like social security, pension or retirement benefits and any other income streams.  We can assist you with assessing if your long-term retirement plans are sustainable.

What employer sponsored savings accounts or financial benefits should I take advantage of?

We can assist you in determining how your 401(k) or other employer retirement plan fits into your broader retirement plan.  We will also work with you to assess how your plan is impacted by other employer provided benefits such as flexible spending accounts, health savings accounts and employee equity incentives.  Remember, if your employer offers contribution matching to your retirement plan, it is generally advisable to fund enough to at least get the full employer match.

Where should I take my retirement withdrawals from?

The general approach for the most tax-efficient order of withdrawals from retirement savings is to draw down your taxable accounts, followed by tax deferred accounts such as IRA’s or retirement plans, finally the non-taxable accounts such as Roth IRA’s.  however, your situation is unique and this may not be the best advice for you.  We’d be happy to assist you in this analysis.