Our team is focused on investments and planning for our clients. We liken a person’s journey to retirement like a road trip – let us explain.

We see investments as the engine that will propel your vehicle to your retirement “destination”. The vehicle is highly dependent on your circumstances, outlook, time frame, attitudes, and tolerance for risk. Various vehicles can be utilized, but one thing is for sure, you will need a roadmap! Without a roadmap you will waste time, energy, and end up frustrated and lost.

We view planning as the roadmap, necessary for a successful arrival at your particular retirement destination.

• The vehicle – An appropriate investment mix for you and your risk tolerance, often utilizing mutual funds, ETFs, individual stocks, bonds, and annuities.
• The engine – The investment returns to build your wealth over time.
• The roadmap – Planning! Looking at what you have today and what you will need in the years ahead.
• The friction – Taxes. We are mindful of tax considerations and implications.

The tailwinds – Reinvestment of dividends, reasonable fees, account strategies like IRAs, 401Ks, Roth IRAs, and Roth conversions.