We believe that Wealth Mangement goes beyond traditional investment strategies.  We see it as encompassing your entire investment and financial life.  For each of our clients we design L.I.F.E. plans that are designed to offer BIG PICTURE strategies and solutions.  With our years of experience in working with our clients we find that there are different phases that they go through at different stages of their life.  We call these phases GROWTH, PRE-RETIRED, RETIRED and WEALTH TRANSFER.  The age that people enter these phases is not always the same for everyone, but we find that during each phase there are a number of similar issues that will be more important to you during a particular phase than at other times of your life.  The L.I.F.E. plan that we prepare focuses on the issues that are most important to you now, but is also be designed to be flexible as you progress to your next phase of life.  Below are some of the concerns we encounter as important to clients in the RETIRED PHASE.

We believe that this huge lifestyle change is something to transition into gradually as opposed to jumping into ‘cold turkey’!  Protection of principal and predictability of income stream become more important now.

With ever increasing life spans many of us are looking at the likelihood of living as many years in retirement as we did working. Emphasis is no longer on growing assets but rather on managing them and navigating the challenges of this new stage of life.

  • Structure investments for tax efficient cash flow.
  • Pension splitting.
  • Insurance need; estate protection, travel, replacement of general health care plan.
  • Downsizing / right sizing home.
  • Tax and medical issues if snowbird.
  • Medical, potential expenses.
  • Family obligations.
  • What to do with free time.