Retirement Planning

A successful retirement plan contains three elements:

  • proper plan design
  • appropriate investment options
  • affordable contributions.

Proper plan design includes taking maximum advantage of all tax benefits and contribution limits, distribution planning and appropriate beneficiary designations. Investment options should be suitable and reflect the risk-tolerance of all participants. Contributions must be affordable and regular.

Plan design options include:

  • IRA  Individual Retirement Account 
  • SEP  Simplified Employee Pension (excellent choice for self-employed)
  • SIMPLE IRA  Savings Incentive Match Plan for Employees (for small business plans)
  • 401(k)
  • 403(b) (for employees of non-profit corporations)
  • TSA Tax Sheletered Annuity (for non-profit employees)
  • Profit Sharing Plans
  • Defined Benefit Plans
  • Defined Contribution Plans (Money Purchase Plans)
  • Non-Qualified Retirement Plans and Deferred Compensation


Investment options may include:

  • Mutual Funds
  • Brokerage Accounts (for individual participants to self-manage assets)
  • Tactical Asset Allocation (third-party discretionary managed accounts)
  • Direct Investments (such as Real Estate or Equipment Leasing partnerships)
  • CDs and other fixed income investments

We are ready to design and implement an appropriate, affordable retirement plan for you. Let us review your existing plan to make sure no money is being wasted, that it is up-to-date with current tax law, and that your distribution and beneficiary options reflect your particular situation.

We encourage appropriate and suitable investments for long-term asset accumulation no matter what you call it.  Retirement Planning is a piece of a puzzle that has only one solution: to maximize your real wealth by all appropriate and affordable means. This is how we define the goal of Financial Planning.