We are here to help with the special financial challenges that confront those of us who are retired and who want to take an earlier look at the financial soundness of their retirement plan before they retire. 

Get Relaxed About Retirement

We focus on helping people to get a realistic picture of their prospects for a well-funded retirement. Offering products and services comes only after our client fully understands his or her challenges.

We are often amazed at how many people have been worrying needlessly about their prospects for a well-funded retirement.

Very often their existing retirement plan will be quite adequate, or could become adequate with a few tweaks.

Sometimes the client’s situation  requires a change of plans, but the resulting peace of mind is usually more than worth the inconvenience.

We have decided, and our clients agree that it’s not time to take action or recommend changes, until we understand the problem – the specific challenge that confronts each individual person or couple.

Approaches to insuring your retirement plan:

Very often, our client’s plan is quite adequate as long as there’s not an unexpected change, such as a major market downturn or a need for Long Term Care. We want to help the client make sure that unexpected change does not devastate an otherwise sound retirement plan. After carefully studying our client’s current plan and determining approaches that may make the plan more durable, we may recommend some ways to insure against the losses  that can come from drastic changes in the value of their retirement funds, death of a spouse or the need for Long Term Care. We work with strong, mature companies to bring our clients solutions that will bring them the needed security. The companies with whom we work include Genworth Financial, Prudential, Mutual of Omaha, Allianz, Aviva and many others.

 

We’d like to perform an analysis that can test how your retirement plans are likely to work:

• If things go smoothly
• If there’s a huge market downturn
• If there’s a need for Long Term Care
• If there are other catastrophes”

Our system allows us to set up a projection of the performance of your current retirement plan, project how it will perform with regard to your needs and then throw ‘curve balls’ at it to test the likely performance (like possible recessions, and the need for Long Term Care).

We take everything into consideration such as IRAs, Projected Social Security payments, current and projected expenses.

What you get is calculated projections based on your actual data, not some ‘rules of thumb’, which can often be misleading.

We don’t think it makes sense for you be asked to make significant decisions regarding your plans and your money until you have a clear picture of how things really are.

Very often our clients are pleased to learn that their plans are just fine, or need only a few minor tweaks.