To paraphrase Lewis Carroll, if you don’t know where you’re going, any road will take you there.

Build a Road Map to your Goals

Retirement isn’t a destination, it’s a continuation of the journey. We help you prepare so that the road leading up to retirement is just as smooth as the road beyond. Our approach is comprehensive. We work with you to evaluate your current financial position, identify goals, and develop a realistic strategy. Whether evaluating investment options, tax liabilities or insurance needs, we break down the complexities so you can make choices that fit your life. For over 30 years we’ve worked to help our clients move forward with confidence. Let’s talk about how we can do the same for you.


Steps Towards Retirement

Taking the First Step
Understanding where you are now, puts you in a better position to decide where you want to go. As we discuss your retirement goals, we also help you understand your current financial trajectory. We prepare a Net Worth Statement that provides a clear view of your assets versus debts, and work with you to create a budget, or Monthly Cash Flow Statement, empowering you to take control of your finances and find ways to save money for future goals.
Designing a Plan
We start by determining how much you need to save to reach your retirement goals, then develop a strategy that works for you, including use of employer retirement plans and individual accounts such as traditional IRAs or a Roth IRAs. A good plan also evaluates investment options, assesses risk tolerance, identifies insurance needs, and seeks out opportunities for tax savings. In short, we explore every avenue and consider every option to help bring you closer to your retirement goals.
Navigating the Road Ahead
No one’s financial situation is static – change is constant. Because life doesn’t always go as planned, we’re committed to helping you navigate unexpected detours on the way to achieving your goals. We meet with you as needed to update your retirement plan and adjust for major life events, or changes that may occur in investment values, as well as tax and estate laws.
Staying on the Right Path
Better information yields better decision-making. To help you stay on course, we utilize online tools to simplify the process of tracking your financial goals. Our WFA Portal consolidates your managed assets at the household level and provides portfolio data, as well as an electronic vault to securely transmit and store documents. In addition, the eMoney planning software provides a one-stop, comprehensive view of all things financial, including income and expenses, assets and debt payments, insurance policies, etc.
Reaching Retirement
When you decide to retire, we help with details such as transferring employee retirement plan assets and consolidating accounts. We prepare calculations to determine when to start Social Security and pension benefits as well as distributions from your portfolio to supplement your income streams. In order to minimize income tax, we review your portfolio composition along with tax projections to determine the correct mix of distributions from qualified and non-qualified accounts.

Questions We Can Help You Answer

  • Am I able to fund short-term goals without hurting my long-term goals?
  • Am I contributing enough to my retirement accounts?
  • Am I able to retire?
  • Am I able to pay for long-term medical needs?
  • Am I going to run out of money?

Certified Financial Experts™

At WFA, you have access to team of professionals including SEC-Registered Investment Adviser Representatives, CERTIFIED FINANCIAL PLANNERS™, and Certified Public Accountants. These individuals provide investment management, tax planning, retirement planning, estate planning, and risk management services. Our financial advice considers your personal situation as a whole, so you can feel confident about your decisions.

We will help you reach your goals

Goals may not feel achievable until you have a plan to make them real.  Our CERTIFIED FINANCIAL PLANNERS™ can help you develop a plan to get you to, through, and beyond retirement.


Learn more by scheduling a free consultation.

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