Investment Management

Why pay more to Uncle Sam if we don't have to? Without careful planning, it is very possible to be in a higher tax bracket during retirement than your working years. Through the coordination of your Income Streams, Annual Roth Conversion Analysis, Asset Location, & Charitable Giving Strategies we help make sure you are paying no more than your fair of taxes both today & tomorrow. 

Leading up to your retirement you should be focused on being present with your family, doing things you enjoy, & performing at a high level at work - not stressing about money. Together we create a living financial plan that will be regularly revisited & revised as your life changes. Don't worry! We do the heavy lifting for you. 

We know that transitioning from saving to spending can be stressful. We carefully design your portfolio with a goal to reduce risk & increase income. We coordinate your portfolio with our other income sources such as Social Security, Pensions, Rental Income, & RMDs in an effort to lower taxes & create an income stream you will not outlive. 

 Two topics that are never fun to address. However, they are super important! We will help guide these conversations to ensure that you are protected & covered.  When appropriate, we will coordinate with Attorneys & Insurance Agents on your behalf to ensure a smooth implementation.

401a, 403b, VEBA, DC & DB. Your financial picture does not lack many letters of the alphabet & there are a lot of moving pieces! We help you make sense of these moving pieces & provide recommendations to help simplify & make your entire financial picture more efficient.