As the baby boomer generation rapidly transitions into retirement, there’s a huge increase in demand for retirement services. The supply, however, is struggling to keep up. Many financial advisors you come across are a part of the boomer generation or not far behind. They will also be retiring, or dramatically reducing the number of clients they will work with early on in your retirement years. I have years of experience helping retirees make important decisions, illustrated below, and have the capability to work with you for decades to come so you won’t have to continually be finding a new advisor.

Jon Sycamore

You may have heard of the 4% rule, which is a good rule of thumb regarding how much of your portfolio you can draw in a given year. While a rule of thumb works a lot of the time, it may not be what’s best for your needs. I’ve built on the 4% rule, taking into account the concept of “sequencing of returns”. This concept shows that poor returns in the early years of retirement dramatically reduces the likelyhood that the 4% rule will work. Working with me, we’ll develop a strategy of smoothing out the impact of years with poor returns to continuosly provide income while preserving your portfolio through the rest of your life.
Deciding when to take your social security benefit can be tricky. You can take a reduced benefit as early as 62 years old, but you’ll recieve the benefit for a longer period of time. You could also delay your benefit and allow it to increase by as much as 32%, but you’ll recieve it for a shorter period. Spousal benefits, windfall elimination provision, and government pension offset make the decision even more complex. The wrong decision could cost you thousands of dollars in benefits. I’ve helped countless individuals and couples decide which strategy makes the most sense for their situations. As someone who’s studied the ins and outs of the convoluded social security system, you’ll be in good hands to help you make the optimal descision.
After working with me to help you preserve your assets and optimize your social security benefits, you’ll likely have money to leave to your heirs when you die. Transfering your assets can become a costly and messy process if you don’t plan ahead. Without planning, your assets will likely go through probate court where a judge will decide what happens to your assets. This is a costly and time consuming process and could even result in paying an estate tax, a.k.a. the “death tax”. The beauty of estate planning is that these problems are totally avoidable! Depending on the value of your assets, it could get more complex. For most people, though, setting up a revocable living trust can avoid all these problems. I’m not an attorney, so I don’t write the trusts myself, but I have a network of qualified attorneys who I work with to help you get exactly what you need.
You’ve worked hard during your career to accumulate enough wealth to retire. Paying too much in taxes undermines all that hard work and puts your comfortable retirement in jeopardy. It doesn’t help that the tax code in the U.S. is incredibly complex and favors those who know how to work it. Different types of investments are taxed in various ways. Additionally, different types of accounts (i.e., taxable, IRA, Roth IRA) receive varying tax treatment as well.
Putting the right types of investments in the right types of accounts is known as “asset location” (not to be confused with asset allocation) and I can help you position your assets in a tax-efficient manner to help you keep more of your wealth.

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