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Compass by the sea

When is the right time to plan?

The average life expectancy in the U.S. continues to rise and living longer means you will need more money to retire. The earlier you plan for retirement, the more time is on your side.

Why plan your retirement with a financial planner?

Advisors are held to the fiduciary standard, a legal responsibility to do what is best for the client. A commissioned or fee-based advisor, on the other hand, is held to the suitability standard. They are only required to sell a “suitable” product. That product may or may not be what is best for the client.

Where should I start?

At our first meeting we will ask you to bring all relevant financial information and statements. We will look at how much income you will need to meet your goals and how much you will need to save to get there.  We can calculate how much money you can safely spend to make sure your hard-earned savings will last through your golden years. We will make sure you have your estate plan intact and that you are not paying too much in fees.  We will also run a stress test on your investment portfolio and make sure that your money is growing appropriately but also that it will be there to get your to and through retirement.  You only get one shot at retirement, let our experts make sure you get it right the first time.