Wealth Management and Retirement Planning

Whether you’re close to, or in retirement, this in-depth, on-going service gives you step by step financial guidance through assessment and planning to implementation. We will recommend changes that align your assets with your goals and address any gaps in the plan. Most important, we always take the time to make sure you understand all the options available and how to make decisions that align with your goals.

When you work with us, you and your family are at the center of the planning process. You’ll get a holistic approach and expertise in a broad range of financial topics. We’re fee-only, so we’ll never sell you a product nor take a commission or a referral fee from another professional. You can always count on objective, unbiased advice.

From unlimited telephone support, meetings when you need them, reminders of actions that need to be taken, to semi-annual or annual portfolio reviews, we’re there to help to adjust your plan whenever your life goals change.

Retirement planning may cover topics such as:

  • Overall assessment and identification of financial challenges
  • Cash flow and budget management
  • Tax planning
  • Risk exposure review
  • Investment review
  • Investment strategies
  • Pension claiming options
  • Optimizing social security
  • Efficient withdrawal strategies
  • Roth conversions

  • Charitable goals
  • Donor Advised Funds (DAFs)
  • Qualified Charitable Distributions (QCDs)
  • Employer retirement benefits
  • Estate planning
  • Other issues specific to the client.  

Portfolios are structured using a systematic approach to investing, while managing expenses, turnover and taxes.


Fees

Fees are based on investable assets and complexity. The planning fee, based on complexity, is $4,000-$7,000. There is an additional fee based on investable assets. The minimum fee is $10,000 annually.


Read more on our approach to our financial planning services.

Ready to make a plan? Contact us to learn more

Maureen Demers is a Certified Financial Planner ™ practitioner.