We’ll work with you to identify the unique dangers posing a threat to your wealth and wellbeing. Some of the most common dangers include:

Stress in Retirement:

The fear of outliving your savings or experiencing market downturns that could disrupt your retirement plans.

Tax Liabilities:

High tax obligations during retirement could erode your savings and hinder your ability to provide for your children.

Market Losses:

Market volatility poses a significant danger, potentially jeopardizing your retirement nest egg and impacting your desired lifestyle.

Planning for the children's financial future:

You likely want to enjoy a financially stress-free retirement but would also like to leave your children a substantial inheritance. There’s also additional danger to your children in the case of divorce and remarriage when it comes to inheritance.

We’ll make careful note of all of your assets, so we can help you make the best use of them. This can include:
 

Pensions:

Pensions that bring in between $8,000 and $15,000 per month per physician.

Retirement assets like 401(k)s or Roths:

We most commonly see assets between $1M and $4M at the time of retirement.

Real estate assets:

Assets like your home or any rental properties can present opportunities to strategize.

Lump sum payouts you receive upon retirement:

We often work with retirees who receive lump sum payments of about $450,000, which come with their own set of unique challenges.

Shares in your organization:

Shares that will be liquidated upon retirement present opportunities and challenges for retirees.

Based on all of the assets and opportunities we’ve identified for you, we’ll help them all work together to create your unique retirement strategies.

This often looks like:

Utilizing Retirement Savings: 

Using your pension, 401(k) and non-qualified portfolio, we can create a well-structured tax smart retirement income plan. By strategically managing these assets, incorporating well timed Roth conversions, embracing charitable tax strategies and more, you’re preparing for a stable and enjoyable retirement, minimizing the danger of outliving your savings, and providing for your children when you are gone.

Real Estate Assets: 

The ownership of your  primary residence and any rental properties can be leveraged as valuable financial resources and as a source of security against inflationary pressures. These properties can serve as additional income streams, a source of potential downsizing or rental income, and can contribute to reducing tax liabilities and market risk exposure.

Lump Sum Retirement Payout: 

Upon retirement, you may receive a lump sum payout. The taxable nature of this payment creates some unique challenges, but with proper tax planning we can help you minimize the risks and carefully integrate this asset into your retirement strategy to help you keep more of what you’ve made.

Family Protections: 

Creating a plan to protect your children’s interest in the case of their divorce, a surviving spouse’s remarriage, or other family challenges. We’ll help you pass on your wisdom to your children and create a structure to help protect their inheritance–from litigation, from tax burdens, and from themselves.