A team approach to Retirement Planning

Your Financial Advisor is supported by a team of retirement planning specialists

Have a Plan

A pie chart is not a plan.  Review retirement distribution plan in detail if you have time.  Emphasize the genius of distribution planning of drawing income from principle guaranteed accounts and being able to pass through a vicious bear market with no loss on principle guaranteed accounts.

Tax Minimization Strategies

Review DAF, CRT, QDRO, ILIT, NUA, Dynasty Trust, Cost Seg and Roth. Review David Brooks Roth spreadsheet and show how we, mathematically, know exactly how much to convert from IRA to Roth each year. The Roth saves most people several hundred thousand in taxes! Last, biggest, tax savings strategy.

Risk Reduction

We have quantitatively lowered risk exposure from about 70% to about 25%. We strategically lower risk by using two-sided strategies able to make money in up or down markets. We eliminate interest rate risk by not using bond funds. Review the 7 risk strategies if in P5

Portfolio Optimization

We review the Wink database monthly to help our clients find the highest performing, principle guaranteed accounts; FDIC insured Cash, 3 year, 5 year, 7 and 10 year principle guaranteed accounts, taxable and tax free. We also use the Wilshire database and the Morningstar database, as well as two others, to, quarterly, review to make sure we are using the highest performing risk managers for our clients.

Income Optimization

If we are optimizing the clients portfolio, then we are optimizing the clients net of tax income by portfolio performance, lower risk and lower taxes, thus, helping to produce the highest net of tax income in retirement.

Fee Minimization

We only charge management fees on the risk bucket. Most retirees 65 and older in the US pay about 1% in management fees. Vanguard and Fidelity pride themselves on cutting that in half. Many times we are lower than that, about 30 basis points, thus saving our clients about 70% in fees

Meet the Team

Our team works diligently to help you meet your retirement needs. We work together to give you the transparency you deserve, and we do our best to offer you a safer approach to retirement.