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Important Financial Questions We Help You Answer

1. We are very conservative with our spending patterns in retirement as we are afraid of running out of money. We would like to do more things and enjoy life more, but this fear seems to greatly inhibit us. However, we’re confident our kids won't have this same problem and therefore will enjoy themselves on what we don’t spend. Is there any way to determine the likelihood of us running out of money if we continue with our current spending pattern, and, how much more could we spend without worrying if we had a desire to do so?

2. We know there is a potential income cliff when either my spouse or I  dies, which is reflected by a drop in our income from a reduction in our Social Security and Defined Benefit Pension income. How much would the annual Income Cliff be upon each of our deaths, and how can we protect our incomes? (I'm particularly concerned about my wife since the likelihood is that I will die first.

3. We have a sizeable portion of our assets invested in the market and are concerned about what a major downturn would do to our cash flow. To protect our income, should we consider taking a portion of our assets out of the market to re-position them into something safer that would generate guaranteed lifetime income? (If the husband dies first, the income continues for the spouse. When she dies, any balance left will pass to the children)

4. As we age, we worry about the financial and emotional toll of a long-term care event. Many have bought traditional LTC insurance, but we waited too long and now it's gotten too expensive for us. In addition, one of us has some health issues and  can't qualify for the coverage. Are there other options to cover LTC costs and ease the burden on us and our family, while retaining our assets if not needed for LTC?    

5. As grandparents, we’d like to provide monetary gifts to our grandchildren while we're still alive, as well as an inheritance when we die. How can we do that so that it is both meaningful and memorable?

6. We have some older annuities and life insurance policies that we haven't really looked at in years, and quite frankly we don't really know or understand what we have? Would it make sense to have a review performed to determine if more modern contracts and policies could fulfill our objectives more efficiently? 


7. We are invested in the stock market but are concerned about the possibly of significant losses from a major downturn. What can we do to avoid this from happening, while still earning a reasonable rate of return? 






















Did you find any areas where you'd like to discuss a solution?  If you did, we would suggest you print out this page and then mark those questions which are important to you, and then bring it with you to our initial conversation.  

After helping you answer these important questions, we can then address any of the following issues with you, should you have an interest:


  • We’re concerned about the potential for higher taxes in the future which could affect our retirement income.


  • We're concerned about the new 10-year distribution rule for non-spousal inherited IRA's, which can result in significant taxes to our heirs.                               

  • Are there ways we can use our RMD's dollars more effectively, since we don’t really need this income?  


  • Since the personal exemption is scheduled to drop from over $12,000,000 to $5,000,000 in 2026, we are concerned about the potential legacy transfer taxation on our assets.   


We can help you get answers to your concerns, but only if you contact us. Please get in touch with us to schedule a time to meet to get to know one another, and to create your own personalized "Income for Life" report. Thank you!

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