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The New Retiree

Client Centered

Retirement has arrived and you’re enjoying your newfound freedom. No schedules, no routine – it’s Life 2.0.

What keeps The New Retiree up at night?

  • How do I incorporate my Social Security and pension income into the income I need?
  • How do I create income from the assets I’ve accumulated?
  • How do I minimize taxes?
  • Should I work part time in case I run out of money.
  • Can I give money away and still have enough in retirement?
  • Can I afford to stay in my home or should I downsize?
  • Can I afford a vacation home and enjoy winters in a better climate?
  • What are all rules on taking money from my retirement accounts?

The world looks different today than it did for your parent’s generation.

Many seek to find a "snowbird" location during retirement where they would initially rent for a month or two in the south - not buy. Collectively, you earn between $75K and $225K, and find ways to save at least 10 percent of their earnings each year. You maintain traditional family values and rejoice over grandparenthood. you need roughly $4-10K per month (after tax) to cover your entire spending needs. Generally you have investable assets between $500K and $7.5MM. You have strong feelings about whether you want to leave an estate to their children or spend their your dollar before you die.

In addition, you appreciate conversation more than numbers and would much prefer the big picture to the details. You seek advice and not analytics and cherish our ability to re-state previous conversations and remind them of you goals and objectives. You welcome the opportunity to include your children in client meetings, and appreciate our offers to host "family meetings". You encourage yourr kids to hire us as planners and we always say yes, regardless of their financial situation.


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