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Financial report on tablet
Retirement Planning

Retirement is the day your money works for you
instead of you having to work for money.

Each person’s idea of retirement is different. While some people will never quit working, others may slow down and others will stop working completely. Some want to travel, others want to garden. Others want to turn a hobby into a new business. Regardless of your personal circumstances, we can custom design a retirement and income plan to suit you, keeping in mind that safety, growth and income are not mutually exclusive.


Retirement planning involves organizing your financial resources to achieve your goals at a predetermined time in the future. When developing a retirement plan, it is crucial to ensure that your 401k/403b or IRAs, investments, income plan, risk plan, and social security are working together and not against each other. Schedule a complimentary consultation

Income Planning

"The key to financial freedom and great wealth is a person's ability or skill

to convert earned income into passive income and/or portfolio income." 


Developing a steady and reliable stream of income is a cornerstone of retirement.  We begin by first calculating the cost of living required to support your desired retirement lifestyle. We then review your resources (assets/social security/pension) and identify a specific plan that seeks to balance your social security/pension options with the risk needed to produce the investment income you requireSchedule a complimentary consultation

Investment Management

"Know what you own and know why you own it." 


In our opinion, it is essential to minimize the risk of extreme losses.  Chasing high returns at the risk of relinquishing market gains and invested principle becomes counterproductive and can have a deleterious effect during retirement.  Thus, we begin by identifying an investment plan that takes no more risk than is necessary to produce the investment income you require.  We can then make adjustments to the portfolio based upon your stated goals, ambitions and tolerance for risk.  The result is in an investment solution that matches your unique situation and risk profile. Schedule a complimentary consultation 


"The greatest legacy one can pass on to one's children and grandchildren

is not money or other material things accumulated in one's life,

but rather a legacy of character and faith." 


As a part of our overall service, we address your desire to provide an estate for heirs or charities.  With careful planning, we can help you design an estate plan that seeks to minimize or eliminate legal and tax expenses.  The goal is a smooth transition of your estate to your heirs.  We provide these services to our investment clients at no additional cost.  Services include the following:

  • Review goals

  • Inventory your assets and their value

  • Work with an attorney to create wills and trusts*

  • Select primary and contingent beneficiaries

  • Monitor and review for life changes

  • Identify the need for life and long term care insurance*

*Please note that attorneys will have costs of their own. If you choose to implement insurance recommendations, there are costs associated with the purchase of insurance and Kevin will receive compensation based on the sale of the policy.

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