Explore Your Financial Toolbox

Are you using the right tools and strategies to get you from here to your financial goals? We’ll help you navigate the options.
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Echelon Holistic Guidance Plan

To achieve financial health, we believe you need a holistic management approach that addresses spending and saving, investment management, debt management, insurance, taxes, estate planning, employee and government benefits, and every other aspect of your overall financial status.

retirement-income
Grow Your Income

Income Strategies

Income, not savings, should be your primary concern in retirement. Will you have enough? How long will it last? How much of your income depends on the market performing well? These are questions we help you answer through our Echelon Holistic Guidance Plan.

We help you address the following income planning areas:

  • Social Security optimization
  • Pension maximization
  • Addition of guaranteed income when necessary
  • Investment withdrawal strategies
  • Optimizing all sources of income

Your income strategy should be based on your needs, not on generic principles. Together, we can craft a plan that provides confidence your retirement income strategy is tailored to you and your specific objectives.

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investments
Grow Your Income

Investments

During your working years, growth is the primary purpose of your investments. You want to accumulate as many assets as possible to help carry you through your dream retirement — which explains why this period of life is often referred to as the “accumulation phase.”

Once you reach retirement, however, the focus of your investments can become more nuanced. While growth may still be a goal, other objectives often take priority. During this phase of life — the “distribution phase” — you may want your investments to be less risky and provide more reliable streams of income.

We understand that and develop investment strategies that align with your personality, preferences, long-term goals and tolerance for risk. We research and recommend products and plans that help protect you from market volatility by providing versatility and diversity. And when opportunities present themselves or life happens, we can help you adjust your investments and identify appropriate alternatives.

Let’s sit down and make sure your investment strategy is right for you and doesn’t expose you to unnecessary risk.

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tax-efficient
Preserve Your Assets

Income Tax Planning

No retirement plan is complete without a tax-efficiency component. Retirees face unique tax issues and can be at risk of paying more than their fair share of taxes without a strategy to potentially reduce liabilities and take advantage of deductions, exemptions, credits, deferrals and more.

We want to help you devise a plan that allows you to pay less and keep more. We can help you with a variety of tax-planning strategies, including:

  • Traditional or Roth IRAs
  • Roth conversions
  • Income coordination
  • Social Security
  • Pension
  • Withdrawal strategies
  • Required minimum distributions
  • Asset location
  • Deduction planning
  • Qualified charitable distributions

The tax landscape seems to change constantly. Let us help you navigate it so you can focus on the parts of your retirement journey you’ve long been contemplating.

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Contact us today to schedule a meeting wherever and whenever is most convenient for you.

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wealth-management
Preserve Your Assets

Insurance Planning

Do you need insurance coverage? If so, what type of coverage do you need? And how much is appropriate or advisable?

These questions often can be confusing and difficult to answer, but we can provide the information you deserve. Whether you’re looking for health, life, long-term care, dental and vision, Medicare or any other kind of policy, we can help protect you from life’s unknowns.

We also are experienced with disability coverage, riders, group insurance and more.

Don’t leave anything pertaining to your future or your family to chance. Together, we can identify the best insurance products for your needs so you can protect what you’ve worked so hard to build.

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ira-legacy
Pass It On

Legacy and Estate Planning

No one likes to think about death, but it’s important to consider how your assets and wealth will be allocated when you pass.

We can help devise a financial strategy that includes ways to maximize your estate and income tax planning opportunities and protects your IRA and qualified accounts from being fully taxable to beneficiaries upon your death. We can assist with your:

  • Wills, living wills and trusts: These direct how your assets are transferred or allocated.
  • Durable power of attorney: This is the person authorized to act on your behalf in matters related to finances, business decisions and even health care.
  • HIPPA authorization: This allows your durable power of attorney to give access to your private health care information should you be incapacitated.

We realize that you want to be a blessing — not a burden — to your loved ones. Let’s discuss our estate services and discuss options that may be best for you and your family.

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Contact us today to schedule a meeting wherever and whenever is most convenient for you.

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We can also refer you to professionals who provide the following services:

Trusts - Probate - Charitable Giving - Estate Planning - Tax Planning

All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any statements referring to growing your income are not a guarantee or prediction of future performance. Any references to protection benefits, guarantees or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

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