FAQ's

Do you do financial planning?

Yes, I help clients create financial plans for what is important to them. The plans may be comprehensive, or they may focus on a specific aspect like tax planning or estate planning.

Are you a Certified Financial Planner?

Yes, I am a CERTIFIED FINANCIAL PLANNER®. As a CFP® Professional, I am committed to act as a fiduciary and therefore act in my client’s best interests at all times when providing financial advice.

Do you help with investments?

Yes, also work as a an Investment Advisor Representative.

When should I do a Roth Conversion?

Everyone’s situation is different. Variables to consider are income now vs later in life, investment objectives, estate planning objectives, etc. With some conversation, I help my client determine the optimum timing and amount of Roth conversions.

How aggressively or conservatively should I be invested?

In addition to how you feel about risk, you should also consider your investment objectives and time horizon. With some conversation, I help my clients position their portfolios to achieve the ideal risk/return tradeoff.

When should I take Social Security?

There is not a one size fits all answer. Factors to evaluate in your decision making include determining your anticipated monthly expenses, other income streams in retirement (pension, part-time work, annuity income, etc.) family history of health and longevity, as well as projected spousal benefit. With some conversation, we can determine the appropriate strategy for your situation.

Should I take more out of my IRA than my Required Minimum Distribution (RMD)?

The factors to consider include the IRA balance(s), your current federal income tax bracket, and who will likely will be the beneficiary of your estate. With some conversation, we can develop a strategy of whether taking more than your Required Minimum Distribution (RMD) is appropriate, how much more, and how to position those assets.

Should I get Long-Term Care Insurance?

The factors to consider include your current age, family history of health and longevity, your desire to leave a legacy, and your current asset base. With some conversation, we can determine an appropriate strategy to meet your needs and wishes.