Planning for Life

You’ve likely thought about what retirement will be like, but have you defined the details that will make up the next phase of your life? Now is the time to nail those down and identify your short- and long-term goals. Remember, retirement isn’t an endgame; it’s a full and active part of your life that could last a long time so you’ll want to be as confident as you can – financially, emotionally and physically.

We can work with you in the years and months leading up to this new stage to determine if your income and investments will cover your expenses, discuss potential Social Security and Medicare benefits and plan for any risks that may lie ahead – all to ensure a smooth transition into the life you envisioned. And when it comes time for the next journey to begin, we’ll be there to help you continue planning for your future.

Losing a loved one can be overwhelming and emotionally draining. And in the wake of that loss, money may be the last thing on your mind. Of course, there’s no one right way for you and your family to address the most common issues that arise when faced with a loss. And while many decisions can be postponed while you’re grieving, we understand there are practical matters that may need your attention right away.

You won’t have to do this alone – we’ll help ensure you have enough cash flow to cover expenses and, along with your team of professionals, will help you settle the estate and work through inheritance decisions during this time. And when you’re ready, we’ll evaluate your assets and financial needs, future tax implications and estate plan to ensure your future is properly planned for.

Any major life change – even a positive one – comes with its share of stress. Changing careers is no exception. Regardless of the circumstances, it pays to think about what direction you want (or need) to go in before you make a major decision that will affect you, your family and your financial future.

We can serve as a sounding board when considering your options, work with you to create a financial buffer for the transition, consider the impact of an offer on your financial plan and consider past employer-sponsored retirement plan when changing companies. And once you’re settled, we’ll reassess your financial situation and adjust your plan to fit your goals.

You understand – all too well – the effort that goes into creating a successful business. So it should be no surprise that a successful transition will take some work, as well. The fact is your business is a huge part of your life and your net worth, so it’s vital that you make some careful decisions before selling a portion or all of your business, or gifting it to the next generation. Ideally, you would want to develop a transition strategy well in advance, but we understand that’s not always the case.

Regardless of when you decide to put the wheels in motion, we understand the challenges you’ll face and can work with you to consider your options and collaborate with your trusted advisors to ensure your interests are well represented throughout this process. And as you move on to the next stage of your life, re-assess your plan to determine how the proceeds will meet your needs now and in the future.