Our goal is to help you make your retirement dreams come true.  More specifically, we have designed a disciplined process that may allow you to:

•    Withdraw maximum income without depleting your capital prematurely
•    Manage your investments and IRAs to offset inflation and health care costs
•    Monitor your finances to preserve your standard of living and financial security.

Our services include:

•    A Retirement Income Strategy
•    An Investment Strategy
•    An On-Going Management and Monitoring Strategy

A brief description of each follows.

Retirement Income Strategy

Not sure how to balance your monthly spending with your long-term financial security?  We can help.  

We have designed a strategy that includes a comprehensive review of your personal finances, as well as recommendations to help you achieve your goals.  Our strategy includes the following: goal setting, budgeting, multi-year cash flow and net worth projections, what-if analysis of your retirement options, an income withdrawal rate projection, six decision rules to manage your withdrawals, and a laddered income illustration.  Each of these reviews include specific recommendations, as well as a to-do list so you always know what steps you need to be take.

Investment Strategy

This goal of this service is to help you earn a rate of return of 3% – 5%, plus inflation, depending on your tolerance for risk.  We believe this can be achieved by investing in a portfolio that is diversified into several asset classes.  Of course, rates of return cannot be guaranteed.

In the construction of portfolios for client, we are guided by the investment approach used by OCERS, the Orange County Employees Pension Plan and by CalPERS, which is the largest public pension plan in the USA. It manages over $200 billion on behalf of 1.5 million retirees and employees of the State of California.  The specific services we provide to achieve the above mentioned goals include:

On-Going Management and Monitoring Strategy

This service is available to those clients that want to delegate the on-going management and monitoring of their plans, including their Retirement and Investment Strategies.  This service includes all the above mentioned services, plus nearly unlimited access to us.  Clients can see us as often as needed to help them make decisions regarding their personal finances.

Choices

We give you choices.  We can do the planning for you and you can do your own implementation, or we can do the planning AND the on-going management for you.  This choice means that once you we complete your plan, you are not obligated to use our on-going management and monitoring service - you can implement the plan on your own if you desire.  However, for those that prefer to delegate the management of their strategies to us, we offer our on-going wealth management service.  This includes all our services, plus nearly unlimited access to us.