Income for Life
Safety-First Retirement Planning
Where we help people who are serious about their money and their life.
We help you keep more of your money.
Financial, Tax & Retirement Planning
A major financial decision involves housing costs. How does one finance the mortgage? Understanding where wealth transfers occur in mortgages can prevent unncessary losses.
Retirement planning involves creating a financial plan that will provide sufficient income to support your lifestyle after you stop working. Assets are important; income is the key to a happy retirement.
We help people find thousands of dollars they may be losing – as they learn how taxes, interest, and fees really work. Our objective is to look at the numbers and data and work with our Clients in a discovery process together.
Estate planning involves creating a plan for the management and distribution of one’s assets and properties after their death, ensuring that their wishes are followed and their loved ones are taken care of.
Asset strategy and allocation refers to the process of determining how to divide investment assets among different categories, based on an individual’s investment goals, risk tolerance, and time horizon, in order to optimize returns while minimizing risk.
Tax planning and allocation refers to the process of strategically allocating investments and assets in a way that maximizes tax benefits and minimizes tax liabilities.
Our Mission Is to Build the Foundation of a Secure Future
Our priority is helping you take care of yourself and your family. We want to learn more about your situation, identify your dreams and goals, and understand your risk tolerance.
Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success.
Retirement Planning 3.0
For the best retirement, follow the MERIT Planning Model:
M: Mortgage planning
E: Estate planning
R: Real estate planning
I: Insurance planning
T: Tax planning
Just like “old technology” is no good for the future, neither is an old retirement plan!
Today’s traditional retirement plan was designed over 30 years ago when 401k plans and IRAs replaced pensions.
Hasn’t our society changed since then?
– We upgrade our cars so we don’t get stranded.
– We upgrade our software so our computers perform better.
– We upgrade our smartphone apps so they do more for us.
– When was the last time you “upgraded” your Retirement Plan?
It is WELL worth 1 hour of your time to find out about Retirement 3.0 options!
Fill in the form and let’s discuss YOUR upgraded plan.
To be clear, I’m not a big advocate of the tools we have because I’m in the planning business. I’m in the planning business because I’m a big advocate of the tools we have.
Words of Wisdom
“A good man leaves an inheritance to his children’s children, but the sinner’s wealth is laid up for the righteous!”
“The reason I decided to reinvent myself at 62 isn’t because I was too old for what I was doing; it was because I was still young enough to start something new.”
Many central banks have historically required banks under their purview to keep 10% of the deposit. 10 cents per dollar.
Insurance Company Reserves:
For every dollar of future guaranteed benefits the company has for the customer, it has to have a dollar of hard assets on its balance sheet. Dollar for dollar.
Stamp Creek Rd.
Salem, SC 29676