​OUR APPROACH

We start by helping you determine first, what is your “core priority” going to be in retirement? Unless there is clarity as to what is most important to you, finding the right financial solution becomes guesswork.

We work with you to create a customized plan, based on your core priorities and your input. We don’t use a “cookie-cutter” approach and we work with you to develop and implement solutions to problems specific to your needs and your retirement.

We use a "holistic" approach to work towards helping solve the variety of problems associated with your retirement planning. We help you find the best methods to get retirement income that you will not outlive, find better ways to manage taxation, reduce risk with investments, plan for the transfer of your assets after death, find the best option to handle the high potential costs of long-term care and much more.We can put you in contact with a team of independent advisors, including estate and elder law professionals, tax planners and financial advisors.
​
We provide thoughtful analysis about the pros and cons of each solution to your needs. There is plenty of information you can find from various media sources and the Internet these days. However, there is also a lot of misinformation about various financial topics and we are diligent in providing more complete, balanced information so you can make more informed choices.

*Investing involves risk, including the potential loss of principal. Any references to security, lifetime income, generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

First we discuss everything that’s most important to you; what are your concerns, goals and desires. Our next step is to design a plan together, so you can make a well-informed decision for yourself. We feel it’s vital that you’re an integral part of the planning process. The end result? A plan that truly works for you.

Finally, once you are satisfied with our work together, we help to implement the plan, one step at a time. This approach helps to reduce stress and fight the feeling of moving to fast.

*Efficient Frontier is a portfolio strategy and guideline; and is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.