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Retirement Planning

When you retire, you want the peace of mind, flexibility, and freedom to enjoy the next chapter of your life with confidence. My role is to help you navigate that transition thoughtfully and proactively, so you can focus on what matters most.

I help you prepare for retirement in a way that aligns with your goals, values, and vision for the future. Together, we’ll turn your hard work and savings into a clear plan that supports the life you want to live. Retirement planning for advisory clients includes:


Reviewing your savings, income sources, and expected expenses, so you understand what retirement truly looks like for you


Creating a personalized retirement income plan designed to help you live comfortably and confidently throughout your retirement years


Helping you understand important decisions around Social Security, employer retirement plans, IRAs, pensions, and other income sources


Preparing for life’s uncertainties by addressing risks such as market volatility, inflation, healthcare costs, and longevity


Staying connected as your life evolves and adjusting your plan when circumstances, priorities, or economic conditions change

RICP® Designation

The Retirement Income Certified Professional (RICP®) designation means a financial advisor has a specialized education in retirement income and is committed to professional and ethical best practices.

Typically, financial advisors are trained to help clients accumulate wealth. But what happens in retirement? Clients need to ensure that the wealth they’ve spent decades building will last through retirement, and maybe even beyond. The RICP® is a certification that acknowledges that your advisor has the knowledge to help you enjoy a secure and sustainable retirement. According to the awarding body, The American College, only 7.5% of U.S Financial Advisors have an RICP® designation.

To learn more about the RICP program, visit: www.theamericancollege.edu/ricp

Retirement Planning Case Study

Situation:

Bill is within ten years of retirement and has questions such as “When can I retire?” and “How should I draw from my accounts efficiently?” He has accumulated savings from retirement accounts and investment portfolios, but he may not yet have a clearly-defined strategy for turning those assets into a reliable plan to replace his income.

My proposal and targeted outcomes:

In a situation like this, the approach would be to start by clarifying his retirement vision and identifying priorities for family support, travel, and healthcare. After establishing this baseline, the next step would be developing a tax-efficient retirement strategy that is designed to align with his post-retirement goals while addressing income planning and risk considerations.

The goal would be to help investors like Bill gain greater clarity around their retirement timeline and better understand how and when assets may be used to support their needs.

The solutions discussed may not be appropriate for your personal situation, even if it is similar to the example presented. Investors should make their own decisions based on their specific investment objectives and financial circumstances. It should not be assumed that the recommendations made in this situation achieved any of the goals mentioned. This example is hypothetical and does not represent any specific investments or strategies.

Advisory programs are not designed for excessively traded or inactive accounts and are not appropriate for all investors. During periods of lower trading activity, your costs might be lower if our compensation was based on commissions. Please carefully review the advisory disclosure documents for a full description of our services, including fees and expenses. The minimum account size for this program is varies.