Financial Services

EPIC-5i-TM-Income-2

Income Planning

Your primary concern in retirement is INCOME. Will you have enough? How long will it last? How much of your income depends on the market performing well? These questions are answered by our EPIC5iâ„¢ process.

Income planning that we provide for our clients includes:

  • Social Security timing and maximization
  • Pension maximization
  • Addition of guaranteed income when necessary
  • Investment withdrawal strategies
  • Optimizing all sources of income

Your income strategy should be based on YOUR needs, not generic rules of thumb. Let us tailor a plan that brings clarity to your retirement income.

EPIC 5i TM - Investment

Investment Planning

Your whole career, you’ve had one main purpose for your investments: Growth.

However, in retirement, your investment goals become much more complex. Our EPIC5iâ„¢ process helps investors in retirement by crafting a portfolio that will provide a stream of income, reduce risk, and enjoy better returns.

Every one of our clients’ investment plan starts with designing their Financial House:

Roof

Roof
Represents the highest level of risk your portfolio can tolerate. to capture the highest gains.

Walls

Walls
Represents investments that create opportunities for long-term growth - but do carry some risk.

Foundation

Foundation
Represents your most protected assets - or money you can't afford to lose.

Once we know the appropriate risk for your individual plan, we invest while keeping some key values in mind:

  1. We believe in owning a mix of individual stocks and low-cost ETFs.
    • Mutual funds are fine in your accumulation years, but we believe ETFs are a superior alternative in retirement.
  1. Annuities may be appropriate in certain situations.*
    • We understand alternative financial vehicles that can help create income without relying solely on a volatile stock market. As comprehensive financial planners, we implement annuities and life insurance when it’s advantageous.
  1. Just because something worked in the past, doesn’t make it best for your future.
    • For example, we analyze the situations in which bonds may be appropriate, with the understanding that there may be better alternatives.
  2. We're not afraid to adapt when necessary.
    • Our timely Reviews help us ensure that your plan is on track and updated when life changes call for it.

Your investment plan needs to work for you and your family – no one else. Let us tailor a plan that brings peace of mind to your portfolio.

*Guarantees and protections provided by insurance products, including annuities, are backed by the financial strength and claims-paying ability of the issuing insurance carrier.

EPIC 5i TM - Insurance

Insurance Planning

Health insurance, life insurance, long-term care insurance, umbrella coverage — do you need such coverage? If so, how much do you need? We answer these questions as part of our EPIC5i™ process.

We know that a good insurance plan helps protect your retirement from the unknowns. That’s why we help you determine the type and amount of coverage you need, and then find the best insurance product for your needs. We help with:

  • Life insurance
    • Term vs. Whole
    • Single Premium vs. 10-Year vs. Pay 100
    • Riders for Disability or Long-Term Care
    • Retirement Income Options
    • Tax-Free Income Strategies
    • Estate Planning Strategies
  • Long-term care insurance vs. other strategies and alternatives
  • Disability insurance

We can help you protect the life you’ve worked hard to build.

EPIC 5i TM - Income Tax

Income Tax Planning

Retirement brings unique tax issues. Without an intentional plan, you could be at risk of paying more than your fair share. As part of our EPIC5i™ process, we build a plan that allows you to pay less and keep more.

Tax planning strategies we build and implement for our clients include:

  • Traditional IRA vs. Roth IRA
  • Roth conversions
  • Income coordination
    • Social Security
    • Pension
    • Withdrawal strategies
    • Required Minimum Distributions
  • Capital gain/loss planning
  • Asset location
  • Deduction planning
  • Qualified Charitable Distributions

IRS rules are always changing — in fact, the recent TCJA and Secure Act had major implications for retirees. Leave it to us to keep up with the ever-changing tax landscape.

EPIC 5i TM - Inheritance

Income Tax Planning

Your legacy means a lot. Our EPIC5iâ„¢ process addresses estate planning, so you can sleep easy knowing your passing will not place a financial burden on your loved ones.

We build a plan that continues beyond your life by helping our clients coordinate the following:

  • Wills, Living Wills, and Trusts
    • We will coordinate with your attorney to make sure the proper documents are in place
  • Power of Attorney (POA)
    • You need a POA for both your assets and your health
  • Beneficiary Planning
    • We help ensure your estate is disbursed on your terms, not the government’s.

No matter the dollar value that you want to leave when you’re gone, we’ll help you build an Inheritance Plan that will be a blessing to your loved ones instead of a burden.