We work selectively with a limited number of people. Many of our clients are pre-retirees or retirees with similar concerns.
They've done a good job of saving money for retirement but now are seeking information about the best use of the assets they have accumulated. They also are beginning to understand that planning for retirement income is not the same as retirement planning .
Their biggest concern is will their money last as long as they do. Because, quite frankly, if it won't, then none of their other plans will matter much. Working together, we build a personalized income plan based on their own goals. Once we know the cash-flow funding needs are satisfied, the other assets left over are excess assets and can be used for other priorities or discretionary lifestyle.
We enjoy the educational aspects of working with clients and believe the best decision is a fully informed decision.