Your Retirement. Smarter.
Our Path To Retirement
At Smart Financial Planning, we offer a wide range of financial planning and Wealth & Risk Management services focused on individuals who are in or nearing retirement age. We pride ourselves on developing a well-thought-out, stress-tested written Retirement Income Plan and thoroughly manage every aspect of your future, so that you can rest easy, knowing your plan will help provide predictable, secure, and extraordinary after-tax income.
All of the financial strategies we offer are integral to achieving your personalized goals, and we firmly believe developing your comprehensive PLAN is just the beginning.
Now begins the journey: we will be there every step of the way to proactively analyze, implement, and monitor your strategy for the rest of your life.
Scroll below to start your path today!
SCHEDULE YOUR COMPLIMENTARY REVIEW
Income Planning
It all starts with a PLAN: a well-thought-out, stress-tested written retirement income plan. We determine how much after-tax income you can live on without worry of running out of money. As CFP® and RICP® specialists, we are trained to help you avoid risks throughout retirement. Dealing with experts in this critical arena is essential for peace of mind..
Wealth Management
We begin by aligning your portfolio allocations with your true risk tolerances. We show clients how the Sequence of Returns can negatively affect the running out of money. We combine no-stock market risk alternatives with carefully crafted mutual funds and ETFs. We believe there is more opportunity to avoid losses to principal than to swing for the occasional home run.
Proactive Tax Planning
As the name of our firm implies, our goal is to minimize your taxes during retirement. This requires active, proactive planning, which goes far beyond what a typical CPA provides. We utilize ROTH contributions and conversions, and tax-favored life insurance, to legally minimize your burden. Remember, it’s not what you earn, it’s what you get to keep and enjoy!
Social Security Maximization
We wrote a book on this topic because your benefits deserve maximization. Does your retirement income plan incorporate different Social Security filing strategies? It should. You paid into the system for decades and deserve to get back as much as possible. Please do not leave a single dime of YOURS on the table!
Long-Term Care Planning
Long-Term Care (LTC) is a huge potential financial challenge often swept under the rug. Are you aware of new planning strategies that can double or triple your dollars without the “use it or lose it” of traditional insurance? We focus on preparing you, as Medicare pays for hardly any LTC expenses, and Medicaid budgets are sorely underfunded.
Legacy And Estate Planning
Many clients are deeply interested in leaving a legacy to loved ones or favorite institutions. If you have this same interest, what’s the most tax-efficient way to accomplish your goals? Having a comprehensive plan ensures that your hard-earned dollars can go farther.