About Our Services

  We are Retirement Planning Specialists

We are specialists in planning for retirement and subsequent lifecycle transitions beyond. While most financial service firms attempt to be everything to everyone (and wind up not specializing very well for anyone) Retirement Wealth & Tax Advisors focuses on the needs of those age 50 and over, and their specific financial problems and opportunities related to having a comfortable and fulfilling retirement.  For more info see "Financial Wellness Booklet" and "Values Based Planning". 

Our mission is to help you discover what is most important to you and your family, then help you to attain that.

Most new clients are referred to us by satisfied clients or other professionals, and are motivated to become financially independent. Since our advisory relationships are long term and personal to help assure top level service to existing clients we only take limited numbers of new clients and therefore have parameters for accepting new clients.  These parameters also help up to maintain the specialization and cutting edge knowledge to best service our clients.  

 

          Typically our clients:

  • are age 50 and up

  • have an income over $125,000 if still working

  • have a net worth (including home equity) of
    $1,000,000 to $5,000,000

  • have a minimum of $250,000 of currently or soon to be invest-able assets

  • wish a long term trusted advisor relationship and less so a "do it yourselfer"

  • have a primary focus of retirement and are serious about planning to optimize it

  • to help assure smooth inter-generational transitions we also assist the adult children
    of our clients. 

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     List of Services

  • The Pathfinder -  Your Pathway to a Secure Retirement.  This is our flagship service. It is a fixed free package of services which will be suitable for many.

  • Retirement Planning - Will you have enough to live on? How to make your money last. Best ways to get money out of IRAs. Rollovers, pensions, 401k and 403b plans..
  • Investment Management - (no commission, fee based) Specializing in highly diversified, no-load Managed Accounts for optimal income and growth, and lower risk. Designed to increase and protect your income, particularly on an after tax basis.
  • Tax planning - seeks to reduce your income and capital gains tax burden.
  • Elder Care and Long Term Care - Insurance, qualification for Medicaid and eldercare issues.
  • Estate Planning - assistance with living trusts, reduction/elimination of estate taxes, and inter-generational planning.
  • Charitable donation planning - make it most effective, more money for you, more money for charity.
  • Insurance - reduce your costs and get the best coverage for what you need, and only what you need.
  • Solutions to Specialized Problems such as:
    •  

    - How to sell real estate or stock without capital gains.

    - How to pass assets to the next generation and beyond 
       without estate tax.

    - How to have your investments keep pace with the
       stock market while preserving the principal.

    - How to reduce insurance costs while improving
       coverage.

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    The Details

Retirement Planning - Will my money last?
Retirement Planning is a process to determine weather your assets and savings rate will meet your goal of financial independence and a comfortable retirement. We take into account all factors including taxes, inflation and social security. We will answer your question: "Am I on track for a secure and comfortable retirement, i.e. will my money last or what must I do today to better assure that it will". Together, we then determine appropriate strategies, investments, and corrective action. For more information see our Retirement Projection Service page.       [top]
Investment Management -
Institutional grade money managers and Non-Market Correlated Assets
Our approach is based on state of the art academic research: Modern Portfolio Theory, a method designed to maximize return - on an after-tax basis - control and reduce risk. We custom match your portfolio(s) to your personal risk tolerance levels. Receive clear, consolidated tax reporting that will be easy to just hand to your accountant. Receive performance reporting keyed to major market indices that will be easy for you to judge how your account is doing. We also employ non-market correlated assets for greater diversification, with objective of less ups & downs in your portfolio.       [top]
Tax Planning - Do you want to lower your income and capital gains taxes?
Strategies to legally reduce your income taxes. Analysis of deductions and credits, and conversion of income into tax-deferred or tax-free sources. There are numerous methods of investing which can defer or even avoid taxation, which would significantly accelerate your accumulation of wealth.       [top]

Long Term Care Planning - Elder care issues
Planning for older age. Finance of the required care. What are your alternatives? When is nursing home or at-home insurance appropriate? Are spend down strategies appropriate? How to not leave the well spouse impoverished.       [top]
Estate Planning - Reduction of taxes, succession plans
Reduction of taxes, clear, effective dispositive plans. Relatively simple techniques can save significant federal estate taxes. Other strategies can avoid probate and administrative expenses, as well as providing for asset management in the event of disability.       [top]
Insurance Planning (Risk Management) - Keep your costs down, don't over-buy.
Do you need life Insurance in retirement? If so, what is the best kind? Will your insurance be free of estate taxation? Are you paying too much? Are you with a good company?  We examine these issues and help you make the best decisions in this jungle.       [top]