2101 North Casaloma Drive
In addition to our customizable services, our financial planners in Appleton focus on where you are in your life journey. Our process and planning center around and are guided by your current life stage and individual goals; you will never receive a one size fits all plan.
You’re focused on building a life and a future. Managing your spending and cashflow, paying off debt, saving, buying a house and vehicles, getting married, starting a family are all examples of priorities during the foundational years. How do you decide where to spend and when to save? We can help you lay a solid foundation that will serve as the basis for everything to come going forward. The planning begins here.
This is what you do after you’ve set a firm foundation - you build, grow, strengthen. When you get off course, we develop a plan to get you back on track. We help you find the balance between living for today and planning for the future. The driving forces during these years are rooted in efficiencies - types of accounts, where to save, where to pay down debt, tax strategies, and so much more - all of which we take into consideration to maximize these years.
Retirement is getting closer now. What was once more like an illusion in the far-off future, is taking shape. You think, “Can I really do it? When is the right time? What will I do about health insurance?” Fine tuning and firming up your plan is pivotal in this stage.
As you approach your retirement date, you can expect to have more frequent meetings with your advisor. The distribution strategy you will use in retirement will be dialed in. Some of the many things we will talk about at this stage includes ACA subsidies, Medicare, when to take Social Security, and every other factor based on your complete financial picture and tax efficiencies.
You are retired and re-shaping how you spend your time, energy, and perhaps re-learning where your value comes from and adjusting to this new way life. Now you can take the long trip, spend lots of time with your children and grandchildren, volunteer, bake, fish, read, nap, or whatever you choose whenever you want. Life has shifted.
In our world, these are the distribution years. All those years of accumulation are coming to fruition. You are out of saving mode; it’s time to spend. Where that money comes from, exactly how much, optimizing your tax strategy, and how your taxes are paid are crucial considerations during these years. You’ve worked far too hard for too long to risk running out of funds from inefficient spending. We can help you build a dynamic, thorough, overarching plan and execution strategy to ensure your continued security and comfort.
Down the line into retirement, conversations surrounding how and what you want to leave behind begin to take priority. As such, we examine and manage estate planning, Roth conversions, charitable giving, and other tax strategies to maximize your impact and your legacy.
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