Serving the retirement needs of the Charlotte and Winston-Salem
region for more than 20 years.
We’ve helped hundreds of local families in the Charlotte and Winston Salem regions achieve their retirement goals by offering strategies to protect income, optimize social security, maximize tax efficiency and tactically manage money resulting in downside protection and income that lasts a lifetime.
The majority of our clients are 5-7 years from retirement or already retired. As Retirement Income Certified Professionals (RICP ®), our advisors are uniquely experienced and credentialed to meet the needs of guiding them through the transition of asset accumulation to asset distribution, creating a predictable income stream throughout retirement.
Today, 9 out of 10 people approaching retirement are concerned about outliving their savings. Afterall, when you leave the job you also leave behind your earned income. Add to that concerns of a significant investment loss in years just prior to or after retirement and you have the recipe for a devastating impact on your retirement lifestyle!
That’s why we’ve put our expertise to work on custom planning that those in the “Retirement Red Zone” can use to make confident decisions. Our Custom Retirement Paycheck Plan shows you in black and white how to turn retirement savings into predictable monthly income for life, create a growth bucket with stop loss protection, minimize taxes and plan for future health care costs.
Take the first step towards peace of mind with a written plan to show you how to Retire the Job and KEEP the PaycheckTM. Stop wondering if ‘it’s enough’!! Schedule your no cost, no obligation review and get started now!
If the stock market crashed today, how much will you lose? You probably have no idea, and it’s probably a lot more than you think. Remember, a significant investment loss in the years just prior to or after retirement can have a devastating impact on your income and lifestyle.
Much like a cardiac stress test, a written risk and fee analysis of your current portfolio provides important information so you can make informed decisions. Utilizing our cutting-edge software, we provide a free portfolio risk analysis that identifies current levels of risk in your investments thus allowing you to decide if adjustments are needed to achieve your goals.
Additionally, our Custom Retirement Paycheck Plan illustrates how to balance risk and growth utilizing managed money strategies with tactical, stop loss protection tools.
Optimizing your Social Security can provide additional retirement income over your lifetime and preserve your retirement savings longer. We use proprietary software that identifies the best filing strategy for your situation. Plus, our Custom Retirement Paycheck Plan shows how your benefits interact with other income sources including Required Minimum Distributions (RMDs), dividends and interest, capital gains, and other income (Pensions, annuities, rental income, etc.). We provide a custom report that will show you how and when to file for Social Security to maximize your benefit.
Most would agree that the less taxes you pay the more money you have in your pocket, but just because you’re enjoying retirement doesn’t mean you’re free from Uncle Sam’s obligations. Recent changes in tax law present the opportunity to take advantage of ‘taxes on sale’ and the sale doesn’t last forever. Our Custom Retirement Paycheck Plan will help determine the best strategies to minimize your taxes now and going forward. Regular account reviews provide the opportunity for adjustments as life changes. We’re happy to work with your existing tax professional or can make a referral should you need one.
Insurance planning is a key component of a sound financial plan and an often-overlooked tool. Our Custom Retirement Paycheck Plan takes into consideration life and long-term care insurance needs and can provide hybrid strategies comprised of terminal illness, chronic illness (long-term care), and critical illness protection. Whether you’re a family or small business owner we offer life insurance strategies designed to help accumulate cash values and, if structured properly, accessed tax-free.