Guiding you through life’s changes.
Financial services throughout Central Pennsylvania.
The one constant in life is change, which is why we employ an active approach to managing your finances and planning.
Retirement is a destination like few others: The days of living life on someone else’s terms have come to a close. You now have the freedom to pursue the life you have always dreamed of, but with this new freedom can come a tremendous amount of fear and uncertainty. Everything you know about life changes once you stop working, which is why it is so important to partner with a professional who understands the retirement landscape.
As a Chartered Retirement Planning Counselor, we believe every retirement should be built on the five pillars of financial success listed below. Each of these pillars, if not carefully considered, can leave you vulnerable at a time when you can least afford it. With the knowledge and experience gained from nearly two decades of planning, we can show you how these pillars will impact your own retirement and help you in building the most secure future possible.
Your income is the engine that powers your retirement dreams. But with Social Security facing financial difficulty and company pensions disappearing, how will you create an income that is both stable and built to last as long as you do? Do you know how to get the most from your Social Security benefits while paying the least in taxes? And how would losses from a stock market decline impact your standard of living? I can answer these questions and more, and help you develop a strategy that not only maximizes your retirement income, but also minimizes the financial risks that could jeopardize it.
You’ve spent years taking care of your nest egg. Now, that nest egg will be taking care of you. Your retirement investment plan should minimize unnecessary risks, provide for today’s financial needs, and ensure the growth of your money for the needs of tomorrow. We can show you how to position your savings, 401k or other retirement plans to achieve these goals and help you build a portfolio of investments to carry you through the retirement you’ve always dreamed of.
Very few decisions are as critical to a sound retirement plan as those related to health care. How will your finances be impacted by Medicare and the insurance coverages needed to keep you protected? Which health plans are the right fit for your needs? For many seniors, Long Term Care will also become a retirement reality, and the financial impacts can be catastrophic. If you’re feeling overwhelmed and want the knowledge to make the right decisions, call or email to schedule a healthcare consultation.
Did you know that you may owe income tax on as much as 85% of your Social Security benefit when you collect it? Did you also know that when it comes to taxes, the money you earn in retirement is not always treated equally? Taxes vary greatly depending on a number of factors, including income, savings, the types of investments you own, and the length of time you’ve owned them. We can show you how taxes will affect your retirement and evaluate the strategies we may be able to use to minimize those taxes and keep as much of your money working for you as long as possible. After all, it isn’t how much money you have in retirement that matters, what matters is how much money you get to keep.
Your “financial legacy” is the wealth built through the course of your life, so you undoubtedly have very specific wishes for where it should go when you’re gone. Without careful planning though, your legacy can be torn apart by probate and legal fees, court and administrative expenses, and numerous taxes that can be levied against your estate. Our goal is to show you how to protect the things you have for the people you love, and to preserve the financial legacy you leave behind for generations to come.
Medicare Health Plans:
- Medicare Supplements
- Medicare Advantage Plans
- Medicare Part D prescription drug plans
Medicare becomes the foundation of health care for most people over age 65, but it does not cover all of the costs. With more supplemental coverages than ever before, you need to understand how the various plans fit with Medicare. We can help you evaluate the plans available in your area, and show you which will offer the best level of coverage to fit your needs.