The Descent

When you reach the summit of a mountain, the initial feeling of euphoria can lead to carelessness. That’s why so many mishaps often happen to climbers on the way down. In similar fashion, the early years in retirement often come with a sense of false hope. People often underestimate the dangers and pitfalls that can occur during the deaccumulation phase, such as inflation risk, health problems, and sequence of returns risk.

Income and tax planning

Your income streams look very different after you retire. During the working years, most people have only one income source to think about. After you are no longer drawing a paycheck, you will receive income from Social Security, your investments, pensions, and other sources. We help you decide when and how much to draw against each income stream to avoid overpaying taxes.

Healthcare planning and long-term care

Health problems can derail your retirement if you don’t put the right mix of insurance policies and other strategies. Part of our role is to help you set up the right combination of insurance policies and utilize them effectively to ensure that the money will be there to cover your medical needs.

Legacy planning and survivor-needs analysis

As part of the financial planning process, we put tools in place to take care of your loved ones when you are no longer around and to pass on your wealth to the next generation in the right way. We review your estate plan annually to keep pace as your family grows and your needs change.

Get Started Now

If you’re interested in partnering with us to create the kind of worry-free retirement you’ve worked a lifetime to achieve, call us today at 760-752-7848email us here, or click on this calendar link to schedule a 15-minute “Get Acquainted” phone call so we can find out a little more about your situation and see how we might best be of service to you.