Ensure your legacy lives on and serves a purpose.

Legacy planning is one key element of any retirement strategy, helping ensure that your legacy carries on to assist your loved ones and that your final wishes are respected. We can help you build your legacy in a variety of ways based on your unique desires and whether it’s most important to you to preserve assets for future use or transfer your wealth to beneficiaries.

It is important to carefully strategize for the transfer of your assets so the legacy you’ve worked hard for can serve a meaningful purpose. From starting the conversation with you to guiding you through the actual transfer of assets, we at %%COMPANY NAME%% are here to help educate you on the process.

Creating a strategy for your legacy is more than simply managing estate taxes. There are a number of methods and tools that may be put to use to protect your finances and ensure it is transferred according to your wishes. It’s important to understand helpful instruments to use during the legacy planning process, including:

• Wills
• Revocable living trusts
• Powers of attorney

In addition, both term and cash value life insurance and long-term care insurance policies may be options to consider. These policies can be designed to serve different helpful functions.

Overall, preservation of your wealth and assets requires a coordinated effort. Our firm is uniquely positioned to provide protection and peace of mind to you, your loved ones, and any of the channels in which you wish to eventually distribute your wealth and assets. You’ve worked hard over time to accumulate them — make sure they work hard for you over time, too.

Our firm does not provide legal advice, and you should consult an attorney for such advice.

Enjoy smooth sailing in retirement with proper income planning.

Income planning for retirement can be daunting because there’s a lot to learn and for many people the information is new. Whether you’re just beginning your retirement journey or it’s already underway, you may be skeptical about whether you’ll have enough retirement income to maintain your preferred lifestyle.

There are three major phases in managing retirement income:

• The accumulation phase
• The distribution phase
• The preservation or transfer phase

Preparing for retirement may require a shift in mindset and knowing the difference between retirement savings and retirement income. Prior to retirement, your financial life was dictated by your paycheck. Once you retire, however, you can no longer rely on a paycheck, which means you must find other sources of income. You’ve worked hard to save for retirement and now it’s time to create additional income from what you’ve saved. Although it can be a challenge, it’s also a great opportunity to grow your money beyond what you’ve saved — and that’s usually made easier by enlisting the help of a financial services professional.

We’ll work with you to uncover various opportunities and concerns of each phase. Additionally, we’ll walk you through:

• Determining how much retirement income you’ll need
• Estimating how long your current income plan may last
• Calculating how much additional income you may need
• Evaluating your additional income sources

Because taxes play a major role in any retirement income planning process, we utilize tax advantaged vehicles to help accomplish your retirement income goals, such as traditional IRAs, Roth IRAs, 401(k)s, and IRA rollovers.

While the numerous options for your retirement savings may seem overwhelming, we are here to help you make sense of it all.

We do not provide legal or tax advice and you should consult an attorney or tax advisor for such advice.

If you’re like many retirees, your Social Security benefit represents years of savings and hard work and may be the foundation upon which you plan to build and grow your retirement income. Though most Americans have some basic familiarity and knowledge on the topic, far less are able to determine — on their own — the optimal way to file so they can maximize their benefit and carefully integrate it into the rest of their retirement strategy.

We help our valued clients develop an understanding of their Social Security benefit, and both educate and inform them on the optimal time to start accepting their benefit. According to the Social Security Administration¹, delaying your benefit may potentially increase your benefit amount by as much as 8% per year.

There is a lot to know about Social Security, and it is important for you to be educated so you head into retirement with a strategy on how you will rely on your benefits. Our firm is committed to helping you get the most you can out of your benefit, so you can take one step closer toward the comfortable and enjoyable retirement you’ve been working so hard for!

We have put together an informative brochure that helps answer the following questions:

• What is your Social Security benefit amount?
• What are the Social Security benefit filing options to help achieve your maximum lifetime income?
• Are there different options if you are married?
• Does earning additional income while you are on Social Security impact the value of your benefit?
• Do you pay tax on your benefit?

 Please contact us to receive your brochure today.

¹https://www.ssa.gov/planners/retire/1943-delay.html

Helping you leave a meaningful legacy and preserve family harmony.

Enhanced planning is one key element of any retirement strategy, helping ensure that your legacy is one of family harmony, regardless of the size of your estate. Without careful preparation, misunderstandings can cause a rift in the family you’ve spent your life protecting.
Whatever your priorities – preserving assets for future use, tax-advantaged wealth transfer, providing for your grandchildren, or something else entirely – we can work with you to build a plan that fits your needs and helps maintain family harmony after you’re gone.
Creating a clear and thoughtful strategy for your legacy is more complex than simply managing estate taxes or drafting a will. Various methods and tools can help protect your finances and ensure your wishes are followed – with a minimum of family friction. These helpful instruments may include:
• Wills
• Revocable living trusts
• Powers of attorney
In addition, both term and cash value life insurance and long-term care insurance policies may be options to consider. These policies can be designed to serve different helpful functions.
Overall, preservation of family harmony and your wealth and assets requires a coordinated effort. Our firm is uniquely positioned to provide peace of mind to you and your loved ones.
Leave a legacy of family harmony, regardless of the size of your estate.

*Our firm does not provide legal advice, and you should consult an attorney for such advice.