Results In Advance Planning (RIAP) is a process that allows you to make decisions by verifying the potential outcomes in advance, before you make them. It’s a partnership relationship that allows you to stay in control of your choices but do so knowing that you have a qualified professional to assist you in creating your best plan. Retirement choices are not mutually exclusive, but rather dependent on the entire financial condition of the individual.
Clients experience custom tailored strategies & allocations that consider their unique risk profile, investment objectives and tax qualification of their investments. To help preserve and grow wealth, our goal is to help avoid large market losses and shoot for consistency in various market cycles.
If you're a pre-retiree or retiree, you may have encountered financial planning that was complex, confusing, and expensive. We believe this traditional approach is flawed. A straightforward, one-page analysis of your retirement situation can offer valuable insights into the likelihood of success.
“The future will come whether you plan for it or not. Will you have the future you want or the future that happens to you by default?”
– Bill Bachrach
As most people approaching retirement and those who have already retired have the majority of their savings in tax-deferred accounts such as traditional IRAs, 401(k)s, 403(b)s, etc., it's important to consider that these savings will be subject to ordinary income tax rates when they are withdrawn. Higher future tax rates can significantly reduce your wealth. By carefully planning contributions and withdrawals from tax-advantaged retirement plans, we can help you minimize the tax impact of your financial decisions
Nowadays, people are living longer than ever before. Partnering with a team that recognizes the structural differences of life phases, accumulation vs distribution is important. Proper income planning can help you feel more confident your money will be there when you need it.
Estate planning is so much more than just leaving stuff to people. It’s about protecting the people that you love.
Knowing that you have properly prepared and planned your estate will provide you and your family with peace of mind. Estate planning is one of the most considerate and thoughtful things you can do for yourself and your loved ones. Our planning services include guidance on how to correctly plan for your estate goals. We coordinate all your estate planning needs through a unique platform that connects with attorneys and other professionals.
