What We Do

Comprehensive Strategies for a Secure and Fulfilling Future

Our mission is to empower each of our clients to make the most of their personal financial resources, in accordance with their unique, personal goals and objectives, through the application of our truly holistic retirement planning process.

RETIREMENT PLANNING

Retirement is not an event. It’s a Journey.

Whether you’re retired, ready to retire, or still a few years out, every new client must embark on our proprietary, 5-Step, REAL DEAL on RETIREMENT process. The result, your customized REAL DEAL BLUEPRINT that will serve as your guide throughout your retirement journey.

This process addresses both your preferred future, or what we call Happily Ever After (HEA), as well as the various “What-Ifs” that need to be accounted for with any truly holistic plan.

TAX PLANNING

Tax Planning for:

Income
Capital Gains
Alternative Minimum Tax
Estate & Gift
Generation Skipping
Medicare (IRMAA)
Roth Conversions
Back Door Roth
Deferred Compensation
Trusts
Tax Deferral

HEALTHCARE PLANNING

Aside from taxes, healthcare may be one of the largest expenses you’ll encounter during retirement. It is also one of the biggest unknowns. Planning for such uncertainties is essential to providing peace of mind in retirement.

Medicare

Parts A, B, and C
Supplements
Advantage Plans
Vision and Dental

Home Healthcare
Assisted Living
Skilled Nursing Care

INVESTMENT PLANNING

Most advisors utilize the same general approach to investment planning for clients of any age. That is, the plan is based solely on one’s age and time horizon. Therefore, when it comes to retirees, income potential is derived from the underlying investment plan.

We take the opposite approach, because we believe the rules change dramatically during retirement. Income stability, risk mitigation, and tax management are the most critical considerations during this stage of life. Therefore, the investment plan should derive primarily from the income plan, not the other way around. Understanding and adapting to this truth is crucial to your success.

Portfolio Analysis
Portfolio Design & Construction
Portfolio Oversight & Management
Investment Risk Mitigation
Investment Tax Mitigation
401(k) Oversight & Management
401(k) Rollovers
Traditional & Roth IRAs
Trust Accounts
Account Consolidation
Stock Options and Restricted Shares Planning
1031 and 1035 Exchanges

RETIREMENT LIFE COACHING

In addition to being our Managing Partner, Diane VanWeelden is a certified Life Coach. Diane can support you as you prepare for retirement in a number of ways.

Setting goals: assist in determining your retirement goals and creating a strategy to reach those goals.
Lifestyle planning: help you find interests and activities to pursue, create social networks, and maintain an active and healthy lifestyle.
Emotional preparation: help you manage your expectations, deal with changes in your identity, and find meaning and fulfillment in retirement.
Planning for the change: make plans for your retirement to find a new job or volunteer position, make plans for a new place to live, work through the adjustment with spouses and partners.
Accountability: help you stay on track with your goals by giving ongoing support and direction when needed.

SOCIAL SECURITY

As a National Social Security Advisor we offer the most comprehensive social security advice and resources. The NSSA® Certificate indicates standards of excellence, continuing education, and access to ongoing support.

Did you know that more than 67 million Americans (22% of the U.S. population) receive some form of Social Security. The public insurance has been laying the foundation for economic security for Americans for more than 80 years, providing help to retirees and others.

Today, Social Security benefits represent on average a third of retirees’ income. Nearly 90% of Americans 65 and older receive some type of Social Security benefits. About half of married couples and 71% of unmarried people on Social Security rely on the benefits for at least 50% of their incomes. Nearly a quarter of married couples and about 43% of unmarried people rely on Social Security for at least 90% of their income.

SURVIVOR, ESTATE, LEGACY, PLANNING

Estate planning encompasses much more than one’s ultimate death. An effective estate plan encompasses your entire lifetime as well as the possibility of disability, incapacitation, and premature death of one or both spouses.