we invest in you before you invest in us.

All meetings with our advisors are complimentary until you retire. We do this as a way of building trust and ensuring that we are a proper fit for each other.

While You're Still Working: We meet with you on a regular basis to help you stay on track for retirement. In these meetings, we:

• Provide suggestions on how to make the most of your 401(k)
• Discuss pre-tax, Roth, and after-tax contributions
• Review your Pension and Social Security estimates
• Calculate projections of retirement income at various ages
• Discuss debt reduction and wealth accumulation strategies
• Help designate beneficiaries
• Discuss estate planning needs

Transitioning to Retirement: When you are nearing retirement, we meet more frequently to:

• Help reduce exposure to changes in the market
• Assist you in understanding your medical benefits
• Discuss Medicare options and Long-Term Care
• Help strategize when to collect your Social Security
• Discuss your Pension elections and options
• Determine when to retire based on your budgeting needs
• Facilitate all necessary retirement paperwork

In Retirement: We manage your investments while servicing any account maintenance needs. Annual review meetings will assess your:

• Investment goals and objectives
• Withdrawal rate
• Comfort level with investments
• Mix of investments
• Beneficiary designations
• Account performance and fees