Financial Planning Services
Financial Planning for Pre-Retirees and the Sandwich Generation
Financial priorities change as life changes. There are years when you're focused on building... growing your career, raising a family, saving, paying down debt, and trying to make thoughtful decisions with the money you have. Then there comes a point when the questions start to change. Retirement gets closer. Maybe you're also caring for aging parents while still supporting your own kids — the sandwich generation stage I know well myself. Your family grows and changes. You start thinking more about what you've built, how you'll use it, and how to make sure the people you love are prepared too. Wherever you are today — pre-retirement, in the thick of caring for two generations, or already retired — financial planning can help you understand what you have, what you're working toward, and what next steps make sense.
What Best Describes Where You Are?
I'm Building Wealth
Retirement is still 10+ years away.
You're in the building years. You're earning, saving, raising a family, paying down debt, and accumulating assets... but you'd like to know whether all the financial decisions you're making actually work together.
Our Wealth Builder Plan is a year-long financial planning experience designed to help you get organized, understand what you already have, create a financial roadmap, and build habits that support the future you're working toward.
You don't need to have everything figured out before you start. That's what we're here to help with.
Retirement is Close... Or I'm Already there
You're preparing for retirement, transitioning into it, or already retired.
Your questions are different now: When can I retire? Where will our income come from? How will taxes change? What happens if one of us retires earlier than expected? Do our children know what they need to know? What do we actually want this next chapter to look like? Are we also helping care for aging parents while planning our own retirement?
This stage of financial planning is about bringing everything together... your income, investments, taxes, estate, family, and the life you've spent years working toward. Because retirement planning isn't only about having enough. It's about understanding what you have and creating a plan for what you want it to make possible.
Not Sure Which Path Fits You?
Sometimes life doesn't fit neatly into a box. That's okay. You don't need to understand every service or know exactly what kind of financial planning you need before you talk to us. Tell us where you are. Tell us what's on your mind. Tell us what you'd like the next few years to look like. We'll start there.
Ongoing Guidance & Support
No matter what path you currently find yourself on, life changes. We stay with you every step of the way. Regular review meetings to keep your plan on track. Answers to your financial questions as they arise. Adjusting strategies as life changes.
Retirement Readiness Planning
We help you understand exactly where you stand and what steps to take to meet your retirement goals.
- Projecting income and expenses in retirement
- Timing Social Security benefits
- Aligning investments with your lifestyle plans
- Preparing for early or delayed retirement scenarios
Family Meeting Facilitation
We guide families through important conversations to make sure everyone is on the same page.
- Hosting structured, productive family meetings
- Discussing wills, trusts, and healthcare wishes
- Introducing adult children to your financial team
- Reducing confusion and preventing family conflicts
Estate & Legacy Coordination
Your wealth should pass smoothly to the next generation according to your
wishes.
- Reviewing wills, trusts, and beneficiary designations
- Coordinating with your attorney and other professionals
- Organizing important documents in one secure place
- Educating your family on where to find what they need
Tax Planning Strategies
We take a proactive approach to help you keep more of what you’ve earned.
- Planning withdrawals from retirement accounts
- Managing required minimum distributions (RMDs)
- Exploring Roth conversions and other strategies
- Coordinating with your tax professionals for seamless execution
Investment Oversight & Allocation
Your investments should be working toward your specific goals—not just
following the market.
- Building a portfolio for both growth and income
- Adjusting for risk tolerance as retirement nears
- Monitoring and rebalancing for long-term success
Organization & Planning Tools
We make it easier to manage all the moving pieces of your financial life.
- Providing a complimentary planning binder for your documents
- Creating custom checklists for retirement and estate planning
- Offering secure, easy-to-access digital organization