• I want to retire on time. How much should I save every year?

  • What is the right asset allocation for my retirement goals?

  • What types of retirement accounts would make the most sense for me from a tax perspective?

  • What is a Roth IRA account? Am I able to contribute to one?

  • What percentage of my income should I be contributing to my employer's retirement plan?

  • Should I convert my traditional IRA to a Roth IRA?

  • Should I put more money towards my mortgage?

  • How can I save for retirement and my child's college education?

When you are saving for retirement you will have questions such as:

Seaside Resort


You have probably asked yourself the following questions:

  • How can I consolidate my accounts to simplify my finances? 

  • Are my investments too risky for this point in my life? Should I be taking more risk?

  • How much can I safely withdraw from my investment accounts each year?

  • Should I take my Social Security benefits now or wait?

  • How can a Roth Conversion help me reduce my Required Minimum Distributions (RMDs)?

  • Will my public employee pension affect my social security?

Retirement Analysis


With the prospect of paying for retirement needs for as many as 30 years, if not more, the worry of maintaining your standard of living can cause concern. To alleviate some of these concerns we will review your current monthly expenses, outstanding debt, and expected future expenses such as travel, relocation, home repair, new purchases, etc. Then we evaluate all of your sources of income such as employer-sponsored retirement plans, including 401(k) and 403(b) plans, Social Security, pensions, annuities, rental property, and investment assets. Your plan will incorporate your tax situation based on the assistance of your tax professional. Ultimately, we will craft a plan based on your preferences that you can be confident in.