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If all you’ve ever done to plan for retirement is dream about which beach you’ll be spending it on, you’re not alone. According to the 2017 Retirement Confidence Survey from the Employee Benefit Research Institute, only 4 in 10 workers say that they and/or their spouse have ever tried to figure out how much money they need to save for retirement. But planning for retirement is a key part of saving enough money to enjoy it.

In the simplest sense, retirement planning is the planning one does to be prepared for life after paid work ends, not just financially but in all aspects of life.

The emphasis one puts on retirement planning changes throughout different life stages. Early in a person's working life, retirement planning is about setting aside enough money for retirement. During the middle of your career, it might also include setting specific income or asset targets and taking the steps to achieve them. Once you reach retirement age, you go from accumulating assets to what planners call the distribution phase. You’re no longer paying in; instead, your decades of saving are paying out.

Retirement planning may be the most important financial endeavor many of our clients will face. Today the complexity involved in preparing for retirement is overwhelming: investments, insurance, employment, social security and so many other considerations make for a complicated array of choices with no clear path to success.

People are living longer and saving less and the majority of America is simply not prepared for retirement.

That’s where we come in.

We are experts in navigating the complexity of retirement planning, helping clients to establish goals, create methods for pursuing those goals, and ensure progress toward them. We believe a strong retirement plan has the following characteristics:

Clear – Your plan should not be bogged down by complex investments or complicated strategies. Instead, you should be able to not only understand your plan but explain it to your friends and neighbors.

Actionable – Without action, a plan is just a piece of paper. Our retirement plans offer simple actionable steps that put you on the path to success.

Flexible – What does your plan look like if you retire just as a bear market begins? Using state of the art software, we can model out specific scenarios, leaving you with unprecedented clarity and confidence about your retirement plan. We also evaluate all areas of your financial life including insurance, to help minimize your risk and keep your plan on track.

Based on Experience – Every plan we create has years of real-world experience behind it. This means our plans have a healthy dose of real-world expectations, not “in a perfect world” type scenarios.

Furthermore, we believe in an honest and transparent approach. We work with you on a regular basis to ensure adequate progress is being made across all areas of your plan, from investment management to discussing the creation of wills and estate plans with your legal or tax attorney. With over 100 years of combined experience in helping clients create and execute their unique retirement plans, we bring a wealth of experience to your retirement.


  • Create a roadmap to their retirement and consistently measure progress toward specific milestones
  • Integrate analysis of employer plans and make recommendations for 401(k) allocations in line with the rest of your financial plan
  • Establish a retirement date and adequately prepare for it
  • Develop a cash flow plan that meets your lifestyle needs now and into the future
  • Establish and define income sources and how each will contribute to your retirement plan

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.  |  303-695-4363