We help you take a calm and clear-eyed look at your long-term finances by reviewing your expenses, your income sources, and the likely direction of the larger economy. Then we create a master plan for a secure and enjoyable retirement.
First we help you figure out what you’ll need for a successful retirement. In other words, what will your expenses be? Then we help you create a budget that accurately reflects those expenses.
With a focused picture of your expenses, we take an inventory of your retirement income sources: pensions, Social Security and personal savings, among others.
To this “hard data” we apply a series of reasonable assumptions about life expectancy, rate of return, and inflation rate. Then we perform an analysis that shows how close you are to meeting your retirement needs.
Using those results, we recommend a course of action to maximize your odds of success—and to make your retirement plans a reality. That includes determining a sustainable withdrawal rate from your portfolio at the start of retirement.
As your retirement proceeds, we conduct periodic Needs Analysis reviews to make sure your money will last, and to recommend altering your withdrawal rate as necessary.
A proprietary investment methodology designed to both preserve and extend wealth. Created by our founder, Chuck Gibson.