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Common Questions

- How much should I contribute to a 401k?

- Do I have enough life insurance? 

- How much house can I afford?

- When should I refinance my house? 

- When should I pay off my car?

- How should I manage my student loans? 

- What retirement plan is best for me?

- How does my annual income factor in how much I can contribute to a retirement savings plan? Is my age a factor?

What we do as your coach:

- We create and guide you through a custom financial plan that suits your needs.

- We address all of our core services through the planning process 

- We address your Risk Management to review 3 major factors:

     - What if I die too soon?

     - What if I live too long?

     - What if I become hurt of disabled?

- We guide you through the fundamentals to maximize savings to make sure nothing is overlooked.

- We review your current 401k or other sponsored plans to reach your retirement goals and maximize potential savings.

- We manage your savings and investment plans to match your goals and time horizons.

- We review your current debt and prepare debt elimination strategies.

- We help you navigate life’s big decisions to set you up for success. 

- We start preparing for the transition of your assets to your spouse or loved ones 

Questions To Think About When Planning for Retirement

- Do I have enough money to retire?

- How long should I expect my money to last and how much can I reasonably take out?

- How do I maximize social security benefits?

- How should I invest my money to provide more stability and income while keeping up with inflation?

- When can I retire or downsize my career and maintain my same lifestyle? 

- What investments should I spend first in retirement prior to taking required minimum distributions at age 73 - savings or 401(k) assets?

- Should we consider long-term care insurance? What are the key factors to consider?

- My spouse is not knowledgeable about (or perhaps not interested in) financial matters. Who can my spouse turn to for assistance if I am no longer available to handle our affairs?

What we do as your coach:

- We guide you through maximizing savings prior to retiring.

- We will be there every step of the way when you are no longer available to handle your affairs.

- We prepare a Social Security timing report to help you navigate the best times to start taking income 

- We use our technology to assess the best times for you and your spouse to elect to retire to maintain the standard of living you currently have.

- We manage your investments to maximize income and long term growth while reducing volatility based on your time horizon. 

- We prepare for longevity as the quality of life and health standards of today make it easier to live longer.

- We review your assets to determine the most tax efficient income distribution strategies possible. 

- We consider long-term care insurance, and what key factors go into it.

Common Questions

- I am a solo practice or do I have employees, and what type of retirement plans are available for me?

- Should I start a retirement plan for my company?

- Do I have a business plan?

- Can I use a retirement plan to reduce my tax liability?

- Am I ready to retire?

- Do I have a financial plan?

- What happens to my business if I die too soon? How much life insurance should I have? 

- When should I sell my business? Do I have a succession plan? 

- Are my employees or key personnel covered? 

Whether you are buying, selling, or running a business there are enormous pressures on your decision making and your time commitment. We will help you navigate all of our core services through our planning process to make sure we don’t leave any stone unturned. Just like any other big life transition, we are committed to paying attention to your finances and your overall well-being. It is wise to be prepared by having a team of people behind you when navigating those waters.