Healthcare professionals
We understand the unique challenges healthcare professionals face. With busy schedules and limited time to spare, financial and retirement planning can be an overwhelming process. There are many factors to consider, including income considerations (Social Security, pension, PT work), future expenses, health care concerns and the level of risk need with your investment accounts. We have years of experience in helping health care professionals both TO and THROUGH their retirement. In Mike’s words, “The doctors and nurses I have met over the years have dedicated their lives to helping others. It makes me feel proud that our planning helps them envision a future where they can relax and enjoy their retirement. Many of these clients have trusted me for over 20 years. That is very fulfilling to me”.
Public employees
We have years of experience helping firefighters, water district employees, teachers and other public service employees navigate their financial and retirement planning. Public employees have unique needs and circumstances such as coordinating their pension with their retirement accounts, and preparing for retirement which may happen at an earlier stage in life. Our team can help coordinate your benefits, social security and retirement accounts to help you transition into your retirement and feel more comfortable to start your next phase of life.
Pre-retirees and Retirees
The Decision Decade, which is 5 years before and 5 years after retirement, is crucial in retirement planning for pre-retirees and retirees. There are many factors to consider, such as paycheck replacement plan, longevity and inflation, social security, pension, healthcare in retirement, required minimum distributions, investments, taxes and estate planning strategies.
Our team has the experience and the depth to help you create your own retirement plan and have a sense of confidence about your next phase of life.
Business owners
We understand business owners have unique challenges when it comes to retirement planning, which includes tax and estate planning strategies, business succession and exit plans, as well as investments before and during retirement. Our financial planners have successfully guided business owners into their retirement while helping them feel confident about the future of their business, whether that means transitioning the business to a family owner or selling the business as part of their exit plan.
Divorced Spouses and Widows
We understand that going through a divorce can be an emotional and financially complex experience. Our financial planners can help you understand the financial aspects of divorce, how to divide assets, and be your partner in the path to building a strong financial plan to meet your short and long-term needs that is focused on your personal life goals.
Young Professionals
We are in a unique position to educate young professionals to start saving for retirement at the beginning of their career. Having a strategy in place, which may include traditional and Roth IRA/401K accounts (if available), will help these professionals be better prepared for their retirement. We have been helping new hires such as doctors and nurses at the start of their career for more than 30 years, and it’s so gratifying to celebrate with them when they are ready to retire with confidence and joy.