Lifetime Income

One of the biggest challenges in retirement is to have an income stream that can NOT be outlived. Most traditional retirement plans (such a s

Maximizing Social Security

Most Americans are not aware that social security was never intended to be the main source of income in retirement. However, for about 70% of

Minimize Taxes

Most traditional retirement plans such as: 401(k)s, 403(b)s, 457s, IRAs, SEPs,  ) are tax-deferred. This means that taxes are due once the money is accessed

Asset Reallocation

Different stages in life require different investment strategies. Additionally, various life events such as college funding and long-term care require asset reallocations in order to

Uncertainties Of Life

Most people have insurance for a long list of “things” such as homes, cars, cell phones, etc.. One of the most important assets to insure

College Funding

Tuition fees, books, supplies, transportation, room and board can easily add up to $20k, $30k, or more for just ONE year of college. Start to

Creating A Legacy

Leaving a legacy is important and a noble idea. However, many legacy intended vehicles are heavily taxed, and can leave your beneficiaries with much less


We have been conducting workshops in the private and public sector for over 10 years, educating thousands of public employees, business owners and their employees


Fixed Annuities Indexed Annuities Immediate Annuities Term Life Insurance Universal Life Insurance Indexed Universal Life Whole Life Insurance Wills & Living Trusts

And that’s where a financial strategist comes in. It is important to look at all your options from different angles,  including assessing the types of assets that could help you replace your income and generate a guaranteed income, that you can NOT outlive. Furthermore minimizing or offset having to pay higher taxes in the future with planning strategies that allow for tax-advantaged or even tax-free access and distribution of retirement funds.

Daniela Dubach

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The rules for a retiring generation of baby boomers have changed.
Learn how those changes affect you as you prepare to live a prosperous retirement.

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