Retirement Planning is the process of creating a realistic strategy for funding your retirement that balances current financial needs with expected retirement needs many years into the future.

We believe a successful retirement is the highest financial priority for many people. Because of the long-term nature of retirement and all of the variables that go into determining potential success or failure, it is often the most difficult financial goal for which to plan. Items we consider when creating your retirement plan:


With average life expectancy now in the 80s it is likely that you could experience a retirement period that lasts 20-30 years. Your plan must be flexible enough to account for a long retirement.


We believe inflation is always a powerful enemy in any retirement plan, especially for a retirement that could last multiple decades. Your living expenses could increase multiple times over a long retirement. And, certain expenses such as medical expenses could easily outpace inflation.


Any extra income, whether from part-time work or from delayed retirement, could make a substantial difference in your retirement income. Your selected social security start date can also make a meaningful difference.


Almost everyone will need to augment their retirement income with withdrawals from their portfolio assets. Many recent studies have indicated the importance of reasonable and sustainable withdrawal rates. We believe a generally accepted withdrawal rate is 4%, but every case is different.


It is always important to have a reasonable asset allocation, but it is especially important in or near retirement since your time horizon to recoup any losses is shorter. A proper allocation that balances income needs with growth needs is critical. Asset allocation does not guarantee a profit or protect against a loss.


Other financial goals (purchasing a vacation home or subsidizing your parents’ care for example) will impact your retirement. This analysis will take into account any other goals you have defined.


  • Investment Risks
    Understanding different types of investment risk can help investors manage their money more effectively.
  • Asset Classes
    There are five broad asset classes that you should take into consideration when constructing your investment portfolio.
  • Asset Allocation
    Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.
  • Diversification
    An important element to successful investing is to manage investment risk while maintaining the potential for growth.
  • Doubling Your Money
    Before making investment decisions, it is helpful to determine the real rate of return on the investment.
  • Cash Management Tools
    Short-term cash management instruments can help you establish a sound cash management program.
  • Effects of Inflation
    Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.
  • Annuities
    An annuity is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option for a lifetime income.