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Our Services

RETIREMENT INCOME PLANNING:

Planning for your retirement today is important more than ever! Living 20-30 years past retirement age is more probable today and in the future. If you are five years away from retirement you may want to allow us to evaluate all the choices your retirement plan offers and present you with a cost/benefit worksheet along with detailed roadmap to follow. Retirement should be as enjoyable as you expected, free from worry about having enough money to live on or being a burden to your children. Our plan involves all of your income sources from Social Security and pension income to create a strategy to pay your monthly expenses. Knowing that you can pay those expenses can be a huge relief! In retirement, it’s time for you to relax and let your money work hard for you now.

Another part of the process is to take care of the direct 401(k), 403(b), 457 and pension rollovers to your personal IRA account. We manage these funds based on your current situation, goals and feelings. We help you plan for the distribution of your accumulated wealth during your life and at death and help you stretch those IRA assets over two generations. With our lineup of professional money managers, we can create a portfolio that is right for you and your family.

PERSONAL FINANCIAL COACHING:

Time is a valuable commodity today especially for dual income households! You know where the money comes in but at the end of the month where did it all go? Do you have specific financial goals that you struggle to meet as you just don't have the time? Let Ray be your Personal Financial Coach! Like a personal trainer, Ray can custom design a goals based strategy that will act as a personal roadmap for you to follow! Once you build your personal strategy with Ray, he will review with you periodically to make sure you are still on track!