Having helped thousands of Michigan families retire over the years, we can confidently tell you that a key to a successful retirement is reliable income. After all, we can’t “make work optional” and retire if we do not have steady income to support our needs. We will help you understand how to make sure your expenses can be met with consistent and reliable sources of income throughout a lengthy retirement. Next, we will help to ensure you are maximizing your Social Security benefits as well as pension decisions. Additionally, we will help develop a solid gameplan to make sure steady income continues in the event of a premature death to a spouse.

Just as it was throughout your “accumulation years”, it is critical that your investment portfolio aligns with your goals as you approach and enter retirement. As independent financial advisors we offer our clients a wide array of active, tactical and passive investment portfolios to fit their individual objectives. Our commitment to our clients is to provide personalized investment management while providing cost-efficient portfolio solutions.

One of your largest expenses in retirement is likely to be taxes. Many families who are in or nearing retirement commonly have a large portion of their savings accumulated inside tax-deferred accounts (401k, 403b, IRA, etc.). Without a purposeful “exit strategy” from these accounts, you could potentially trigger an avalanche of additional taxes that otherwise could have been avoided. We will help you identify the tax-efficient strategies available to you right now that could ultimately result in a considerable amount of tax savings throughout your retirement. Keep in mind that taxes in our country are scheduled to increase over the coming years and the time is now for proactive tax planning.

Having to transition from a familiar employer-sponsored health plan over to Medicare can be a daunting and confusing time. On top of that, so many retirees are left worried about the rising costs of long-term care that they simply often become overwhelmed. We will help you understand your options that can offer the protection you are seeking while staying within your budget.

Through the use of our strategic partnerships, we can pair you with a trusted Estate Planning attorney to ensure your assets transition to your loved ones as you would have wanted. Often times, proper estate planning can provide a seamless transition of wealth during a difficult time in our beneficiaries’ lives – in addition to potentially reducing the tax liabilities they will be responsible for.