During pre-retirement, we focus on optimizing your cash flow to be as efficient as possible. As these are typically your highest earning years it is important that your cash flow is properly allocated in preparation for retirement. Once retired, cash flow efficiency remains a top priority as we implement the most tax efficient way to fund your retirement.

With your focus on enjoying your upcoming or current retirement, now is the time to ensure your goals are aligned to your expectations for retirement. We also strive to understand your vision for your legacy so that we can structure your retirement plan to accommodate today’s needs and tomorrow’s heritage.

During your wealth building years, your portfolio benefits from the time available for growth and dollar cost averaging through the highs and lows of each economic cycle. In your retirement years, the sequence of portfolio returns has a profound impact on your retirement funds and how long they will last. We intentionally utilize alternative strategies and optimize your portfolio with a focus on downside protection. As you will see on our Team page, some of our advisors are Chartered Investment Manager (CIM) designation holders, providing specialized investment expertise to navigate through the unique requirements of portfolio optimization in retirement.

Tax planning is paramount to a successful retirement. We implement tax strategies along with both your cash flow needs and investment optimization. We will review important questions such as “how do I avoid clawbacks” and “how do I minimize my tax burden”?