Retirement Income Planning:The integration of Social Security, pension, and personal retirement savings to create a sustainable income stream in retirement. Customized Portfolios:Portfolios designed to provide both growth and tax-efficiency for the funds used in your retirement years. Small Business Retirement Plans:With our help, you can offer your employees a 401(k), SIMPLE IRA, 403(b), or a SEP IRA to help fund their retirement.
Depth of Experience:With over 40 years in the industry, Ray has the experience to provide you with dependable and clear guidance and education. A well-structured insurance strategy can help protect your loved one or your business from the financial consequences of unexpected events. Let's create an investment strategy designed to pursue your goals, time horizon, and risk tolerance.
Depth of Experience:With over 40 years in the industry, Ray has the experience to provide you with dependable and clear guidance and education. A well-structured insurance strategy can help protect your loved one or your business from the financial consequences of unexpected events. Let's create an investment strategy designed to pursue your goals, time horizon, and risk tolerance.
Services
Our mission is to help you achieve a higher level of confidence through strategic personal goal setting and planning. We dedicate ourselves to doing everything we can to ensure that you can live your life more fully by creating a clear financial plan designed to last a lifetime. To achieve this, we take the time to understand who you are and what makes you anxious.
We start with a personal interview to learn about the vision and goals you have for your life. In other words, your "bucket list." We then create a discovery agreement that summarizes the information you provided to us in our first meeting. This enables both parties to be on the same page about what you want to accomplish with your money.
Roth IRA distributions are tax-free if made 5 years after the initial contribution to the plan and you are over 59 1/2. Investing regular amounts steadily over time (dollar-cost averaging) may lower your average per-share cost. Periodic investment programs cannot guarantee profit or protect against loss in a declining market.
Manage personal affairs while you're alive and control the distribution of wealth upon your death. A well-structured insurance strategy can help protect your loved ones from the financial consequences of unexpected events. Create an investment strategy that's designed to pursue your risk tolerance, time horizon, and goals.
Where will your retirement money come from? If you're like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.
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