Starting early is the key to building wealth. I help those who are new to investing determine how much to save and spend, how to pay down debt, and ways to prepare for the future. This includes:

• Reviewing employer-sponsored retirement plan options
• Implementing additional investments for retirement
• Determining college savings options
• Evaluating insurance needs
• Collaborating with your estate attorney
• Planning for tax considerations

Those who are nearing retirement – even if it’s 15 or 20 years away – should make sure they’re on the right path to enjoy their future lifestyle. I help you consider the needs of today and plan for those of tomorrow, including:

• Reviewing investments to ensure they align with your goals
• Managing risk and evaluating whether you’re taking too much or too little before retirement comes
• Calculating cash flow and budgeting for lifestyle expenses
• Preparing to send kids to college
• Considering tax implications of investments when you’re withdrawing in retirement
• Evaluating additional and changing insurance needs

The game changes once you’re retired. Instead of accumulating wealth, you’re usually spending your savings. I help retirees plan for the income they’ll need in order to enjoy the retirement lifestyle they’ve always wanted. I can help by:

• Designing a tax-efficient withdrawal strategy
• Implementing an income strategy through dividends
• Evaluating the options for tax-free retirement income
• Advising on Social Security and Medicare benefits
• Monitoring longevity risk
• Coordinating charitable giving plans and vehicles
• Managing lifestyle expenses
• Assessing long-term care insurance needs
• Planning for transfer of wealth to other generations