Dream Big. Plan Smart. Retire Right.

Welcome! We are an independent planning firm.
From investment guidance and annuities, to Medicare and Social Security insights, safeguarding your retirement is our primary focus.
Let us earn your trust.

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Helping you Plan a Secure Retirement

Building your retirement nest egg has taken discipline.
Don't let a bear market destroy your retirement plans.

Now, protecting your money while it grows takes on more significance. We want to help you maintain your lifestyle in retirement.

After age 50, previously distant thoughts of retirement appear a little closer. Having a plan that includes a strategy to provide or enhance your income when you stop working is attractive. Preferably an income you cannot outlive and is guaranteed.

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Life expectancies have been increasing.

  • An average 65-year-old retiree can now expect to spend about 20 years in retirement according to the Center for Retirement Research at Boston College.
  • About one out of every three 65-year-olds today will live past age 90 according to the Social Security Administration.

We want to make sure you do not outlive your money.

Stock Market Timing

Are you or your adviser trying to "time" the market? Determining when the market has peaked and it's time to get out is hard. Determining when to get back in may be even harder. Consistently predicting market movements over long periods of time is impossible.

Sequence of Returns

Have you considered the impact several down years of stock market returns could have on your portfolio's ability to generate future income? The impact of negative sequential returns early in retirement can have a significant detrimental impact on your long-term financial well-being.

Have you solved your retirement income puzzle yet?

As your focus shifts from just accumulating wealth to preserving principal and enhancing your potential retirement income, we can help.

Striking the right balance of banking, insurance, and investment solutions for retirement can be a daunting task. We are well-positioned to help you; this is the essence of what we do. A holistic approach to planning.

Start Planning Smart

Schedule your free PlanSmart consultation today!