Core Features of Simple+ Service
Regular Plan Reviews and Updates:
Frequency: Bi-annual or quarterly strategic reviews.
Focus: Assess changes in your financial and personal landscape to make timely adjustments, ensuring alignment with your long-term goals.
Proactive Investment Management:
Strategy: Utilize primarily Dimensional Fund Advisors ETF’s and Mutual Funds to offer cost-effective, scientifically backed investment solutions to help you target higher expected returns.
Goal: Maintain a well-diversified portfolio that aligns with your risk tolerance and financial objectives. Provide consistent income to enjoy retirement.
Personalized investment portfolios designed for your retirement goals and risk tolerance
• Balanced approach to growth and income to support your retirement lifestyle
• Strategic use of Roth accounts and conversions for tax-efficient growth
• Exploration of Qualified Longevity Annuity Contracts (QLACs) for guaranteed lifetime income
• Diversification strategies to mitigate risk in volatile markets
• Regular portfolio rebalancing to maintain your desired asset allocation
• Incorporation of low-cost investment options to maximize returns
• Consideration of alternative investments to enhance portfolio performance
• Strategies for legacy planning and generational wealth transfer
• Ongoing monitoring and adjustment of your investment strategy as market conditions change
• Education on various investment options and their role in your retirement portfolio
• Tax-loss harvesting and capital gains management to optimize after-tax returns
Tax Optimization and Retirement Account Distributions:
Objective: Minimize tax liabilities and maximize after-tax income.
• Strategic planning for Required Minimum Distributions (RMDs) to minimize tax impact
• Custom withdrawal strategies to balance tax efficiency and income needs
• Roth conversion analysis to potentially reduce future tax liability
• Coordination of taxable, tax-deferred, and tax-free account withdrawals
• Strategies to manage your tax bracket and avoid "tax torpedoes"
• Guidance on Qualified Charitable Distributions (QCDs) for tax-efficient giving
• Analysis of Social Security taxation and strategies to reduce overall tax burden
• Estate tax planning to maximize wealth transfer to beneficiaries
• Evaluation of Net Unrealized Appreciation (NUA) strategies for employer stock
• Tax-loss harvesting to offset capital gains and reduce taxable income
• Strategies to minimize Medicare surcharges (IRMAA) through income management
• Consideration of health savings accounts (HSAs) for tax-free healthcare expenses
• Planning for state tax implications, especially for clients considering relocation
• Guidance on inherited IRA distributions and tax consequences
• Strategies to leverage lower tax years for Roth conversions or capital gains harvesting
• Analysis of the tax impact of selling assets to generate retirement income
• Coordination with your tax professional to ensure comprehensive tax planning
Retirement Income Planning
We implement a thoughtful retirement income strategy known as "Spending Guardrails." This approach goes beyond Monte Carlo estimates helps our clients understand their specific spending capacity so they know what you can spend monthly without having to worry.
We help you maintain a sustainable withdrawal rate, adjusting dynamically to market conditions to ensure long-term security and peace of mind.
Customized distribution strategies to maximize your retirement savings
• Expert guidance on Required Minimum Distributions (RMDs) to minimize tax impact
• Evaluation of Social Security claiming strategies to optimize your benefits
• Integration of pension and annuity income into your overall retirement plan
• Analysis of healthcare costs, including Medicare planning and long-term care considerations
• Tailored spending strategies to ensure your money lasts throughout retirement
• Regular income plan reviews and adjustments to account for lifestyle changes and market conditions
• Tax-efficient withdrawal strategies to minimize your overall tax burden
• Assistance with budgeting and cash flow management in retirement
• Strategies to protect against inflation and maintain your purchasing power
Retirement Risk Management
Objective: Manage risk throughout different life stages
• Longevity risk analysis to ensure your savings last throughout retirement
• Strategies to protect against market volatility and sequence of returns risk
• Inflation hedging techniques to preserve purchasing power over time
• Healthcare cost projections and planning, including long-term care considerations
• Cognitive decline protection strategies and estate planning safeguards
• Diversification strategies to mitigate investment risk in retirement
• Analysis of insurance needs, including life, health, and long-term care insurance
• Strategies to manage and mitigate the risk of unexpected major expenses
• Regular stress testing of your retirement plan against various economic scenarios
• Guidance on maintaining liquidity for emergencies without sacrificing growth
• Evaluation of guaranteed income options to provide stability in retirement
• Strategies to protect against potential changes in tax laws or Social Security benefits
• Risk assessment for part-time work or business ventures in retirement
• Planning for potential family financial obligations, such as supporting adult children
• Cybersecurity education to protect your financial accounts and personal information
• Regular review and adjustment of your risk management strategy as circumstances change
Open Door Communication:
Availability: Unrestricted access to our team for any financial queries or immediate concerns.
Support: Regular communication to provide clarity and reassurance throughout your financial journey.