Our Process
How do you envision your retirement? Do you plan to tr avel, relax with family or volunteer for a favorite charity? Or do you plan to keep working or pursue additional professional success? Perhaps you anticipate returning to school and continuing your education or learning a new trade. Will your plans include making a major lifestyle change such as either starting or selling a business, downsizing your home or moving to another part of the country? How will your planned changes in lifestyle affect your financial independence? Are you and your money ready? When you consider retirement, what concerns you most about your financial security?
- Income – how much will you need and when?
- Investing – how can you achieve the level of growth you will need to avoid running out of money yet better manage your exposure to market downturns?
- Taxes and Inflation – what can be done to help mitigate their corrosive impact?
- Insurance – will you need life or long-term care insurance? What about Medicare supplemental or chronic illness coverage? What are your options to obtain the protection you need within your budget?
- Estate Planning – how can you protect your assets and avoid conservatorship while you’re alive, and spare your family the added grief and expense of probate and unnecessary taxation when you pass?
What differentiates Alpha Financial Advocacy from traditional financial advisors (who concentrate on asset accumulation) is our focus on managing the ongoing task of generating retirement income while helping you protect your retirement savings and investments from the unexpected. We are committed to maintaining the highest standards of integrity, professionalism and personalized service in our relationship with you. Our Retirement by Design™ process entails a 360 degree review of your finances, long-term health issues and current estate plan. Our objective is to create a blueprint to support your retirement objectives by helping you:
- Determine the optimal age to start taking Social Security to maximize your lifetime benefits.
- Evaluate options for creating alternative streams of income to supplement Social Security and/or pension benefits to maintain lifestyle and pursue your interests.
- Better manage your risk to protect your investments from market downturns.
- Integrate your investment, insurance and estate planning strategies to help protect your family from the unexpected, particularly during periods of economic and regulatory uncertainty.
Knowledge is the key to successful plan implementation. We’ll take as much time as needed to fully explain key concepts and answer your questions in language you understand. And going forward, we’ll schedule regular reviews to assess our progress and make certain your plan reflects any changes in your goals or personal circumstances. Previously we compared financial planning to building the home of your dreams. Like a house, a financial plan is only as sturdy as the foundation upon which it is built. To learn more about the four cornerstones of the Retirement by Design™ process, just follow the links below: Retirement Income Sources ⇒ Investing and Risk Management ⇒ Importance of Estate Planning ⇒ Insurance and Retirement ⇒ If you would like to schedule a complimentary appointment or ask us a question on any of the above concepts, please select the appropriate link below: Request and Appointment ⇒ Ask a Question ⇒
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