"Now is no time to think of what you do not have,
think of what you can do with what there is."
  - Ernest Hemingway 

Retirement Workshops Offered Regularly

You can protect your quality of life and assure your income lasts your lifetime. Take charge of your retirement portfolio today. Click the Workshop Link (left) to get the schedule of upcoming workshops and register. 

Welcome to our site.  Today, older Americans face financial challenges previous generations could not even imagine. As specialists in retirement and legacy planning, we understand that retirement is a time when you may be asked to make some of the most significant financial decisions of your life. These important decisions will determine how you and your family will live for years to come. We can help you understand your current financial position and assist you with the creation and maintenance of a financial plan designed just for you. The goal of this process is to help you maintain your lifestyle and enjoy financial security in retirement. 

We offer objective, experienced advice and access to a variety of services and products to help fulfill your objectives. As independent practitioners, we enjoy the freedom to choose the services and products that best suit the needs of each client. Our offices are not controlled by any other entity nor are we subject to any predetermined outcomes or quotas. Our professional allegiance is to our clients.

 We welcome you to browse our website to learn about our practice and our capabilities. We believe that this will help you understand why we enjoy the trust and confidence of our clients and how we might be of service to you.

 
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

More Calculators →

Newsletters

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

Tax-Efficient Investments for the Tax-Averse

Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

To Roll or Not to Roll: It's Your Choice

Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA.

Another Year, Another AMT Patch

The 2010 Tax Relief Act adjusted AMT exemption levels for 2010 and 2011 to help prevent an estimated 21 million middle-income taxpayers from being subject to the alternative minimum tax. Will Congress enact another patch for 2012?

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