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The Five Foundational Pillars™

Covenant Planning

Income

Our goal is to ensure your expenses can be paid month to month with reliability and predictability for the rest of your life. This typically includes:

  • Social Security Maximization
  • Income & Expense Analysis
  • Longevity Protection
  • Inflation Plan
  • Spousal Plan
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“This is a solicitation of insurance. By submitting this form, I agree to be contacted by a licensed insurance agent for the marketing of Medicare Insurance products (i.e., Medicare Advantage Plans (Part C), Prescription Drug Plans (Part D), and/or Medicare Supplement (Medigap) Products) and services. I’m aware the person who will discuss the products is a licensed and certified representative of Medicare Advantage organizations and/or stand-alone Prescription Drug Plans. Each of the organizations they represent has a Medicare contract. This individual may also be paid based on my enrollment in a plan. Enrollment in any plan depends on contract renewal. I am aware that the person who will contact me is not affiliated with or works directly for the Federal government. I understand that I may be contacted via telephone, email, text messaging, artificial or prerecorded voice messages, or automatic dialing at the contact information provided above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list). Carrier data use charges and rates may apply. I understand that my consent is voluntary and is not a condition of purchasing any goods or services, and that I may change my preferences at any time.”

Investment

We will create an Investment Policy Statement to support your income plan and risk tolerance. This typically includes:

  • Assessing your Risk Tolerance–Utilizing Riskalyze©
  • Adjusting your portfolio to reduce fees
  • Volatility Control
  • Evaluate ways to reduce risk while still working towards your goals
  • Tactical Money Management
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Taxes

Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities. This typically includes:

  • Assessing the taxable nature of your current holdings
  • Possible IRA Planning
  • Strategizing ways to include tax-deferred or tax-free money in your plan
  • Strategize which tax category to draw income from first to potentially reduce tax burden
  • Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries
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Healthcare

We will create a plan to help you address your healthcare needs with a minimum expense, including:

  • Bridging the gap to Medicare
  • Looking at Medicare including, Parts A, B, C, and D
  • Analyzing options for a Long-Term Care Plan
  • Traditional Long Term care
  • Asset Based Long term care
  • Trust based protections (recommendation to Certified Elder Care Attorneys)
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Estate

It’s important to make sure that any remaining assets you’ve worked so hard for go to your beneficiaries instead of taxes. By working collaboratively with our Estate Planning & Elder Law Attorneys, our goal will be to help you:

  • Maximize your estate and income tax planning opportunities
  • Protect any assets in a trust and ensure they are distributed to your beneficiaries probate free
  • Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death
  • Protect your estate and your future beneficiaries from creditors and divorce
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“This is a solicitation of insurance. By submitting this form, I agree to be contacted by a licensed insurance agent for the marketing of Medicare Insurance products (i.e., Medicare Advantage Plans (Part C), Prescription Drug Plans (Part D), and/or Medicare Supplement (Medigap) Products) and services. I’m aware the person who will discuss the products is a licensed and certified representative of Medicare Advantage organizations and/or stand-alone Prescription Drug Plans. Each of the organizations they represent has a Medicare contract. This individual may also be paid based on my enrollment in a plan. Enrollment in any plan depends on contract renewal. I am aware that the person who will contact me is not affiliated with or works directly for the Federal government. I understand that I may be contacted via telephone, email, text messaging, artificial or prerecorded voice messages, or automatic dialing at the contact information provided above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list). Carrier data use charges and rates may apply. I understand that my consent is voluntary and is not a condition of purchasing any goods or services, and that I may change my preferences at any time.”