5-Star Planning

 Our proprietary Financial GPS process is designed to help our clients achieve simplicity and security during their retirement years. It’s focused around 5 key areas of your current financial life.


Investment Planning

We begin by creating an investment plan utilizing a low volatility investment discipline. This includes:

  • Fiduciary focus throughout the entire process
  • Assessing your Risk Tolerance
  • Personalized portfolio design to match your portfolio to your retirement goals
  • Utilization of Open Source Portfolio Design (OPSD), which allows us to maximize the efficiency of your customized portfolio by accessing investment tools from ANY AND ALL providers (very different from what you are used to)
  • Comprehensive Institutional Money Management

Income Planning

We will ensure your expenses can be paid month to month with reliability and predictability for the rest of your life. This includes:

  • Social Security Maximization
  • Income & Expense Analysis
  • Inflation Plan
  • Spousal Plan
  • Longevity Protection

Tax Planning

Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities. This includes:

  • Assessing the taxable nature of your current holdings
  • Optimizing the usage of your holdings to minimize ongoing tax liability
  • Assessing the future tax liability of your qualified retirement plans
  • Leveraging tax-efficient vehicles to significantly reduce your lifetime tax exposure from your qualified retirement plans
  • Analyzing and protecting the income tax exposure for your surviving spouse

Healthcare Planning

You can do everything right with the areas above, and still end up running out of money because you did not adequately plan for your potential future healthcare expenditures. Health Care Planning includes:

  • Reviewing all aspects of Medicare, Parts A, B and D
  • Accessing the potential impact of long-term care needs

  • Addressing the various ways to handle potential long-term care expenses, both utilizing insurance planning and self-insuring

  • Identifying best options for healthcare coverage prior to Medicare if needed


Legacy Planning

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax efficient manner. We will help you:

  • Identify your objectives in distributing your hard-earned assets after you are gone
  • Update and maintain appropriate estate planning documents (wills, trusts, etc.)
  • Create strategies to pass your assets to your beneficiaries in a manner that avoids probate and keeps tax liability to the bare minimum