Our Approach

Retirement Planning and investment services for retirees and those planning to retire.

  • Do you wonder if you have enough money to retire?
  • Are you confident that your retirement income will last?
  • Do you worry about the effect that income and estate taxes will have on your savings?

If so, you are not alone. Most of my clients list these as major concerns.

I help clients address these issues by creating a personalized retirement plan that aims to provide life-long retirement income, while managing risk, reducing taxes, and helping to maximize opportunities to grow their wealth for their family and others in the future.

Planning for income is different

For most people retirement planning has focused on accumulating assets needed to fund a retirement goal far into the future. For the 10,000 baby boomers retiring today, that future is now. For them, the goal is to use their assets to create a reliable income stream that will withstand changes to the market, the economy and their health – no matter how long they may live.

Strategies to create income and preserve assets in retirement differ than those needed to accumulate assets during the working years. Maximizing investment returns and beating benchmarks like the S&P 500 , while still important, may take a back seat to the higher priority of helping to preserve what you already, with the goal of ensuring that your assets will provide a retirement income stream that you will not outlive.

A Bottom Up Approach to Retirement Income Planning

The key to retiring with confidence is to have a financial plan that meets your income needs, and addresses the risks that could derail your financial security in the future. Investment returns are important, but beating a benchmark does little to make sure the bills get paid or that your financial security remains intact in the event of an emergency or other unforeseen event.

The first step is to determine your income needs and sources of reliable retirement income. From there we can calculate how much additional income must be taken from your retirement savings to meet your income needs in retirement. For example, if you need $5,000 a month to pay the bills and receive $3,000 each month in pension and social security income, you will need an additional $2,000 every month from your investments to fill the gap.

Many financial advisors use more of a “top down” strategy. They focus on total return and liquidate funds as needed to pay expenses. This can be fine when markets go up, but can create problems when markets go down.

A Collaborative Approach

I also believe that it’s important to collaborate with others to provide comprehensive wealth management services to clients. My team includes a professional network of tax professionals, estate planning and elder care attorneys, and health care specialists. In addition, my network of associates at Focus Financial includes investment professionals, compliance specialists, and top notch administrative support that help me deliver quality service to my clients.


Disclosure: Investing involves risk including the potential loss of principal. No investing strategy can guarantee a profit or protect against loss in periods of declining values. Indexes can not be invested in directly, are unmanaged, and do not incur management fees, costs, and expenses. Past performance is not a guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.