Through personal experience guiding both clients and family through retirement, we have learned that many pitfalls can cause tremendous pain and regret in retirement, but also many opportunities that can lead to a fulfilling life. Our core belief is that you must live life NOW while you have your health… once it’s gone, it’s gone! Goodbye to traveling the world, hiking, taking the grand-kids to Disney; the list goes on and on. How do you maximize cash flow during your healthy years? The Smiling Through Retirement Process ™ was created to help those facing the many decisions in retirement develop a clear path to avoid the pitfalls of running out of money and live life to its fullest. Our process is designed to guide you and your family by answering these main concerns in retirement:

• The Market is unpredictable and risky – How do I protect my life savings?
• I don’t want to run out of money – How do I maximize my cash flow and income?
• What do I do about healthcare including Medicare and Long-Term Care for myself and my spouse?
• Taxes have a high probability of going up over the next 10-30 years – How can I become more tax efficient?
• How will my family values and wealth be passed on the exact way I want them to?