Phone: (253) 848-2840

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  • The Journey

    “If you don’t know exactly where you’re going, how will you know when you get there?” 


    Steve Maraboli, Life, the Truth, and Being Free


  • Integrity

    "The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively."


    Bob Marley 

  • Team Work

    "Teamwork divides a task and multiplies the success."


    Author Unknown

  • Imagine

    "Life is art.
    Life is beautiful.
    Life is love.
    Life is all you can…


    Author Unknown

  • Quality of Life

    "The greatest day in your life and mine is when we take responsibility for our attitudes. That’s the day we truly grow up."


    John C. Maxwell

Retirement Planning

We look at this as a process of determining retirement income goals and the actions and decisions necessary to achieve these goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be achieved.  The software that we use not only does a great job of reporting this for our clients, but also provides all of the support pages to show how we derived all of the numbers.

In simple terms, retirement planning is the planning one does to be prepared for life after receiving the last paycheck.  This planning involves not only financial issues but all aspects of your post-retirement life.  The non-financial aspects include such lifestyle choices as how to spend time in retirement, where to live, when to completely quit working, etc.  We utilize this holistic approach to retirement planning as we factor in all of these areas.

Retirement planning changes as one progresses through the different life stages.  Early in a person’s working life, retirement planning is about setting aside enough money for retirement.  During the middle of an individual’s career, it might also include setting specific income or asset targets and taking the steps to achieve them.  In the few years prior to retirement, financial assets are more or less quantifiable and so the emphasis changes to figuring out how to translate these assets into a lifetime of income as well as considering the non-financial, lifestyle aspects of the retirement years.

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