Retirement by Design Financial Planning (Retirement by Design) develops customized strategies so you have maximum income during your prime retirement years. This is an ongoing process. As you move from pre-retirement to semi-retirement and into full retirement we examine your entire net worth – and your objectives – to produce a comprehensive financial plan in four distinct areas:
Structural Planning
To achieve your desired income stream by triggering assets and benefits in the most tax-efficient manner. We address such issues as your lifestyle priorities, financial targets and survivor income issues.
Investment Planning
To determine your communication preference, risk tolerance and optimum asset mix. We establish guidelines for rebalancing, taking profits and portfolio management.
Health Risk Management
To reduce or eliminate the need to use personal assets and income to cover the cost of health-related issues. We help identify areas of risk and create a course of action.
Wealth Transfer
To plan for the ultimate transfer and disposition of your assets according to your wishes and with a bias to minimizing estate tax. We position assets for ease of transfer, discuss gift and charitable giving options and ensure your Will is consistent with your objectives.