Pre-Retirement

It is never too early to plan for your Life After 60. Whether you are just getting started in your career, or your retirement is fast approaching, you are in the extremely important “accumulation phase” of your life. The financial decisions you make now can have the most dramatic and profound effect on your future. While you are likely to be in your top earning years, you and your family are also most vulnerable to such risks as disability, premature death or poor investment strategies. You may also find yourself in the “sandwich generation,” where you are paying for your children’s college while caring for elderly parents.

Regardless of which stage of life you are in, a well-thought-out and comprehensive financial plan can give you the peace of mind you need. Below are a few topics that should be considered by clients in the accumulation phase.

Income Protection- It’s likely that you have insured your home against a disaster. Have you considered how disastrous it would be to your family if you lost your income due to a death or disability? We can provide you with an unbiased quote for life insurance or disability insurance.

Retirement Savings- Are you saving enough to provide for the retirement you deserve? Your derive income from several sources such as Social Security, Savings,a 401(k), IRA or Roth IRA.  We are experts at helping our clients plan for and fund retirement. 

Budgeting Cash Flow- Is there more money coming into your household or going out? We have great tools and vast experience helping clients adjust their cash flow.

Risk Management- Is your life, health, disability insurance adequate and cost effective? Please contact us for an analysis.

College Planning- How much is college likely to cost, and how will you fund it? We can help you decide which college saving plan is best for you.