Next we discuss your goals and objectives, risk tolerance, and investment experience. I match your specific data with market and economic conditions and inflation assumptions.

We then do an “historical audit” and a “Monte Carlo" simulation: This gives us a pretty good idea of how realistic your goals are. If there is a problem we work out a solution. Once your needs are evaluated and met, we address your estate planning concerns. The goal here is to pass on assets to your loved ones in the most beneficial manner possible according to your wishes. Typically this process involves eliminating probate and strategies to help reduce or minimize estate tax liability.

Did you know?

• A couple retiring at age 65 have an 82% chance of their retirement lasting 20 years; 60% chance of it lasting 25 years; and 33% of it lasting 30 years? Source: Life Expectancy for couples (a male and female age 65) calculated using The Annuity 2000 Mortality Table (The Society of Actuaries).
• “The first generation of 401(k) savers, which has already taken on unprecedented responsibility to manage their own retirement, now has to figure out how to make their funds last 25 to 30 years.”
  

  Source:  Business Week Investor Guide to Retirement, July 28, 2003

   

  
  

   

  
  

Most importantly, once the plan is implemented, to stay on track, we meet with you on a regular basis to review our progress and make adjustments as needed.