Brandon at Starr Family Home in Marshall Texas

How I Help

Whether you are already retired or wanting to make sure you can one day, you probably have a few questions.

When will you retire? When CAN you retire? How long will your money last? How do you know? What is your plan to get there? Where are you now?

Like most people, you want answers to these questions.

More importantly, you want it taken care of so that you can enjoy your retirement. I help you plan the best strategy to accomplish just that.

Retirement Withdrawal Planning

As you near retirement you will transition from years of working and saving to taking withdrawals from your retirement accounts. Your distribution strategy should provide you with an income stream that is expected to last as long as you need it to. Your own retirement lifestyle goals and expected lifespan affect your distribution strategy. Tax-efficiency, longevity risk, and income needs are all incorporated into the plan.

Investment Management

Investing FOR retirement is different than investing IN retirement. The risks that you face when saving for retirement are not the same as the risks you face once you start to live off of your retirement savings. Your investment plan should be a well-balanced approach to risk and desired outcome. Investment expenses should be reduced where possible.

Investing is less about picking individual investments than it is about constructing portfolios. Portfolio construction involves understanding how different investments relate to one another in order to achieve the ideal level of risk and expected return. Diversification, asset allocation, investment expenses, risk tolerance as well as risk capacity, are all factors affecting how you should construct your investment portfolio.

You get the peace of knowing that you are taken care of, and the convenience of not having to do it yourself.

People who choose me are interested in a sound, long-term plan that focuses on achieving retirement income goals instead of chasing investment returns. While I do take care of your investments for you, that is only a part of the value I provide. Your retirement plan needs to make the best use of all the options available to you and consider how your goals may change.

This is done against the backdrop of your emotional response to the ups and downs of the market. All the money in the world isn’t worth losing your sanity over.

By leveraging convenient technology I am able to work with clients anywhere in the United States, or we can meet in the East Texas Area to include Hallsville, Marshall, and Longview.

Social Security Planning

Social Security is a notoriously complicated system. Determining your optimum filing strategy isn’t as easy as it should be. However, for most Americans Social Security represents a significant portion of retirement income. Your retirement plan should maximize the benefits that you have contributed to over your entire working life.

Individuals and Families Nearing Retirement

As you approach retirement your focus starts to shift from accumulating savings for retirement toward planning to live off the savings you have invested over the course of your career. There are many issues to consider in order to develop a solid retirement income plan. Your plan should incorporate your life expectancy,  income needs, and desire for security. Different income strategies will place greater emphasis on different factors in order to provide you with the best retirement outcome.

Pricing

Your advisory fee is a simple annual percentage of the account value as follows:

Account ValueAnnual Fee
$0 - $100,0001.25%
$100,001 - $1,000,0001.00%
$1,000,001 - $5,000,000.9%
$5,000,001 & above.8%

Fee-Only Fiduciary CFP®

As a fee-only financial advisor I am held to a fiduciary standard. This means that I am legally bound to work in your best interest, placing your interests above my own. I don’t receive commissions from products I recommend. I work for you.

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