Retirement is just as much about spending as it is about saving.

Some consider retirement a lifestyle change, as opposed to a singular event.

A lifestyle change is not necessarily a bad thing, provided it's a change over which you had some  say. How do you envision your lifestyle in retirement? Let's begin there. 

A solid retirement plan addresses the 'gap' between saving and spending, manages risk, and takes into account the legacy you wish to leave. It's a pretty emotional topic for most people, and a conversation we have with people of all backgrounds every single day.

Not just over the hill. 



We believe many advisors are so hyper-focused on figuring out your retirement 'number,' that they may omit to talk about how you will draw upon your funds in retirement.

In pre-retirement, otherwise known as your "saving years" or "accumulation phase," you will be focused on putting away as much as possible. Of course, you'll want to make sure that you're putting money in the right places and in the right amounts, based on your future needs. Yet, an important component of retirement planning is figuring out how you will draw upon the funds you have accumulated. This is known as the "retirement distribution" phase. There are important tax ramifications to taking distributions.

Wouldn't it be better to know about those before you reach retirement, as opposed to when you arrive? We think so.

When you have time to slow down and think about it: what will your legacy be?

In our youth, it's tempting to shrug off the notion of legacy.  But with age comes wisdom, and a desire to have an impact. For some, it's passing on values, for others it's providing for family beyond their lifetime. For others, still, it may be supporting a cause. 

Whatever is important to you, we can discuss and develop a suitable strategy to help ensure that your legacy lives on.



We address eight key areas of your personal finances:

  • Budgeting, cash flow and net worth
  • Insurance needs analysis
  • Investment analysis
  • Education funding analysis 
  • Tax efficient strategies
  • Retirement needs analysis
  • Estate planning strategies
  • Charitable giving strategies


Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate


Learn more about our financial planning process

You can't take full control of your future, unless you have a complete picture of what planning entails. This doesn't mean that you need to be worry about the details - that's our job. But it does mean that we will educate you so that you will be an informed and empowered consumer every step of the way.

Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.