About Me
I’m in my 60’s and have more than four decades of accumulated financial wisdom. Let's talk. Let's gain you comfort in your mind, and heart. Let's work together to understand your concerns and goals, figure out your choices, and help you navigate your best course of action. You receive guidance from me with care, and caring. Benefiting from lessons learned from my experiences, we bring into balance your unique situation on important issues such as:
• Purpose in Life: crafting your Life Purpose Statement
• Income Stability: analyzing your Social Security, pension, investments, annuity
• Portfolio 2nd Opinion: reviewing your assets for alignment with goals and safeguards
• Withdrawing from Investments: evaluating Target Funds, Guardrails, Bucketing, Bond Ladders
• Medicare: reviewing your current and projected health care costs and coverage
• Roth Conversions: potentially lowering taxes in future years
• Required Minimum Distributions (RMD): reducing through Qualified Charitable Distributions (QCD) and Qualified Longevity Annuity Contracts (QLAC)
• Inheriting an IRA: untangling the complexities of the Required Beginning Date (RBD), 5-year, 10-year, and other rules
• Donor Advised Funds (DAF) and Qualified Charitable Distributions (QCD): using strategies to meet your philanthropic goals and reduce tax
• Loss of Spouse: mitigating “widow/widower’s tax penalty” + maximizing Social Security survivor benefits
• Long-Term Care: searching for affordable choices
• Reverse Mortgage: evaluating for appropriate use in accessing home equity
• Aging in Place Modification: assessing home changes for your continued independent living
• Care Facility Search: helping to locate care facilities
• Identity Theft and Fraud Prevention: using available protection tools
• Legacy Vision: communicating your values and memories to your future generations
• Trusts: explaining use of Intentionally Defective Grantor Trust (IDGT), Irrevocable Life Insurance Trust (ILIT) and other advanced trusts.