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Fee-Based Planning For Baby Boomers

You've spent your career working hard to take care of yourself and your family.  You've saved for your retirement and are a bit anxious about how it's all going to come together as you transition from your working years into retirement.  You're now looking for a financial planning firm that can offer independent, fee-based guidance to help you plan for retirement, plan for aging in retirement and discuss your estate planning needs. 

Does this sound familiar?  If it does then you've come to the right place.

We help people like you every day.  We have well defined processes that help us to provide individualized planning services and allow our clients to enjoy the hard-earned retirement that they have been looking forward to. 

Take a look at the list below.  It outlines many of the ways in which we help people like you.  If you'd like help addressing any of these topics and meet our firm's minimums, you can book a phone consultation using the link at the bottom of the page.

  • Retirement income needs
    • Outlining expenses
    • Discuss changes to expenses (i.e. a mortgage being paid off, costs for travel, health insurance, etc.)
    • Develop an income plan to meet your specific income needs
  • Retiree health insurance options and costs
    • COBRA and private insurance options and costs 
  • Pensions
    • different payout options
    • explain the survivorship options
    • retirement forms, deadlines and process
  • Social security
    • Explain how social security is calculated
    • Claiming options
    • Taxation of benefits
    • Spousal, divorcee and survivorship benefits
    • Post-retirement income offsets
    • Windfall Elimination Provision and Government Pension Offset
  • Investments
    • Allocations, holdings and contribution amounts
    • Risk assessment
    • Economic outlook and our recommendations
    • Investment strategies for each account
    • Withdrawal options and tax considerations
    • New unrealized appreciation strategies (NUA)
    • Ownership options for non-retirement accounts
    • Developing a clear retirement income plan to complement your social security and pension income
    • Clearly illustrate which accounts to draw from first and why
    • Requirement Minimum Distributions (RMD's)
  • Aging in retirement
    • Explain the legal documents that come into play (power of attorney, living will, etc.)
    • Ways to plan for the cost of care
    • Ways to protect independence
    • Ways to protect assets
    • Long-term care insurance options
    • Medicaid spend down rules
    • Organizing your affairs
    • Gifting strategies
    • The use of a trust and different asset ownership options 
  • Inherited assets
    • The impact inherited assets can have on your own planning
    • Withdrawal and tax rules for inherited assets and investments
    • Ownership options for inherited assets
    • Different rules for inheriting assets from a spouse versus a non-spouse
    • Planning considerations when a spouse passes away
  • Life Insurance
    • Explanation of different types
    • Needs analysis
    • Review of policies
  • Estate and Legacy Planning
    • Gifting rules and strategies
    • How different assets pass when you die
    • Strategies for efficient legacy planning
    • Probate process
    • The role wills and trusts play
    • Asset ownership options to efficiently pass along assets and take care of loved ones

We have a large network of Medicare brokers, CPA's, estate planning attorneys and other professional partners that we engage and collaborate with for topics that go beyond our areas of practice.  For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

Are you ready to schedule a phone consultation where you can ask your questions of us and we can discuss how we can help you with your planning needs?  Use the link below to view our availability and schedule a time to talk.


* The firm's minimum for new clients is $500,000 of household investable assets. (Why we have minimums.)