Benefits

          For You                                                                                    

I encourage questions and establish an atmosphere where learning is a priority. You will feel at ease asking questions,

allowing a two-way street when creating your financial plan.

Family Financial Plan

            Saving for Retirement

•     How do your feelings about money affect your spending habits?
•     Do fees and investment options impact your 401k rate of return?
•     What should you do with your 401k when you leave your company?

            Saving for College Funding

•     How much to save?
•     How does financial aid affect your savings rate?
•     Does school choice play a role in financial aid?

Retirement Transition

   Pre-Retirement (5-10 years prior to retirement)

•     What do you want your retirement to look like? 
•     How do you evaluate retirement expenses?
•     How will you know if you have saved enough? 

   Retirement (1-5 before years or in retirement)

•    How will you know when to take distributions?
•    What is your IRA required minimum distribution?
•    Will you owe income taxes on Social Security benefits?  

Sudden Financial Changes

             Inheritance

•    What new opportunities are now available to you?
•    What effect on your identity, career, relationships, and lifestyle will your new money have?
•    What are your feelings about money and how it affects your spending habits?

   Divorce

•     How will you manage your finances?
•     What about your retirement needs?
•     Sell your home now or later?

              Widow/Widower

•       What do you need to know about money?
•       When and how to sell your home?
•       Will you have enough to last for the rest of your life?