Investment Management Services
Retirement Planning
In the past, you worked, you saved, you retired -- and, in that world, providing linear retirement planning solutions for that straightforward path was sufficient. We know that this isn’t the world we live in anymore, as the very concept of retirement is being re-defined, and so has our approach to traditional retirement planning.
What's your definition of retirement?
Whether you’re planning a more traditional retirement, semi-retirement, early retirement, a series of mini rolling retirements, or are thinking of taking a sabbatical, you came to the right place. Our financial advisors will help you design your ideal life by helping you maximize the financial resources you have while planning for any unforeseen challenges life might throw your way.
Our fee-based, in-person, or virtual retirement planning services provide you with unbiased guidance and actionable advice in all areas of planning and investing for whatever your version of retirement may be.
See How We Can Help >>Define Your Retirement Vision and Lifestyle
Examine Your Current Financial Situation
Create Actionable Financial & Investing Strategies
Monitor and Update Your Plan
Our retirement planning services also include (1) Helping you determine at what age can you realistically retire with your desired lifestyle, (2) Social Security claiming strategies, (3) Planning for post-retirement healthcare costs, (4) Creating the income you need to live the lifestyle you want, (5) Survivor income options and (6) How to appropriately invest your retirement plan assets.
Your Social Security retirement benefits are primarily determined by how much you earned while working and when you ultimately elect to begin receiving benefits. However, there are many other nuances that should be considered before making your election that could make a substantial difference in your lifetime benefits.
Social Security Claiming Strategies Review
Whether you are married, single, divorced or widowed, and are thinking of retiring this year, next year or in a few years, a Social Security Claiming Strategies Review can help you better understand what benefits you are eligible for, the claiming options available to you, and the right time and manner to file that maximizes your Social Security income and best fits your needs.
Here is what’s included:
A customized report that will help answer these key claiming questions:
A 30-Minute telephone or video conference with a financial planner
Depending on your individual needs, your review may also cover:
Learn how your spending patterns, investment decisions, plans for managing unforeseen healthcare costs, and the way you're drawing income from your retirement assets can have a significant impact on your retirement lifestyle and how long your retirement funds may last. Get the answers you need to make smarter post retirement planning choices along with actionable advice on how to maintain, or even improve your retirement lifestyle.
Here is what you will learn:
How can I generate the income I need to maintain the lifestyle I desire?
How can I generate the income I need to maintain the lifestyle I desire?
What happens if I pre-decease my spouse or if I lose my health?
How can I reduce or eliminate taxes on my Social Security benefits?
The Coronavirus Aid, Relief, and Economic Security Act” or “CARES Act” changed the rules regarding retirement plan withdrawals and tax penalties for 2020. Here’s how the new law, also called the coronavirus stimulus package or H.R.748, could let you tap your retirement savings if needed. Retirement plan distributions: Up to $100,000 penalty-free Normally, distributions from…
If you’re approaching retirement age or planning to file for Social Security in 2019, there are some changes to the program that you need to know. Understanding how you can qualify, when you should file, and what benefits to expect can help make you make a more informed claiming decision, and better prepare you in…
After 30 years or so helping dozens of UMass Memorial Healthcare employees better understand their retirement options, I thought I would share the three most common concerns I hear from many of them and hopefully by doing so, if you have these same or similar concerns, you will get a better understanding of how to…
Have you ever thought about how many more years you have to work? For someone in their mid-20s, you could have a long way to go considering the official retirement age is 65. That’s forty more years of working in a job you may not love, or forty more years of being obligated to show…
As a freelancer, you have full and total control over your work. You decide what you do, where you do it, and how you get things done. The freedom and autonomy are attract many workers to self-employment in the first place. But if you already freelance, you know this line of work doesn’t come without a…
When you were in your 20s and 30s, retirement seemed like a distant dream. But now that you’re in your 40s or 50? It sure looks a lot closer, and it’s fast approaching. To make your retirement the best experience possible – and to enjoy the lifestyle you want once you step out of your…
With pensions dying out and the responsibility to save enough in your working years to pay for decades of life without a paycheck squarely on workers’ shoulders, the traditional idea of retirement may no longer be realistic for most. That might not be a bad thing, though. Working full-time until 65 or 70 years old, then…
You know you need to do some estate planning to properly protect yourself, your assets, and your loved ones. But is your plan complete, or did you leave a few key assets out of those documents by mistake? Most people are unaware that retirement accounts are an important estate plan component. Fewer still understand the…
Finivi is an independent, fee-based financial planning and investment management firm that offers clear, actionable advice designed to help improve your life.
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Fun Facts About Me
When he is not researching the next great stock to add to client portfolios, you can find him travelling frequently with his family to Jackson Hole Wyoming.
Fun Facts About Me
Steve would tell you that one of the best parts of the day is spent talking to clients and relationships that result from it. When away from the office, he loves to travel the back roads of New England enjoying all the great sites that can be found off the beaten path.
Fun Facts About Me
When not managing client portfolios, Fred can be found relaxing with family and friends.
Fun Facts About Me
When not caring for her clients Cathy enjoys relaxing in her yard at home.
Fun Facts About Me
When Katie is not busy taking care of her clients, she spends her time being a mom to her two little ones, Owen and Isla.
Fun Facts About Me
Loves spending time with 2 daughters and enjoys participating in 5k obstacle races throughout the year.
Fun Facts About Me
When not cheering for the Patriots, Donna spends her free time travelling throughout the United States looking for new haunted places to explore. She loves to wear her cowboy hat and boots when travelling out west.
When Danielle does not have her head in a book studying to expanding her financial planning knowledge, she enjoys anything active and outdoors, including visits to the beach and hiking.
Fun Facts About Me
Jay’s days are spent helping clients achieve their financial goals, followed by nights and weekends typically watching his daughters play competitive volleyball.
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