I’ve been studying, investing and managing millions in financial assets for over three decades. Figuring out what to do and when is one of the most important issues our clients face.

Having someone to call with a big (or small) financial decision can be invaluable.

We’re old school. All your questions matter.

Here are some examples of conversations and decisions we work though…

I need money for __________ (you fill in the blank). Which account is best to take it from? 

I think I have enough money for retirement but how do I know for sure? 

I want to take my Social Security early (or late). Is that best for me? 

What’s the best way to give to my kids? 

Is it too late or worth it for me to have a Roth? 

Should I convert my IRA? 

I’m going to get an inheritance what should I do with it? 

Can I drop my life insurance now? 

What should I be doing about long-term care? 

How do I get enough income for the next 20-30 years of retirement? 

We have the money, should we pay off our house now? 

I heard this on the news. Does it apply to me? Will it affect my retirement? 

The market is up… The market is down… What should I do? 

Am I saving enough? 

Do I need an annuity? Someone told me I should have one. 

How should I be saving for college? 

How do taxes affect my plans? 

I heard on the radio I need 3-6 months (or more) in an emergency fund. Is that right?

I’ve found that there are a lot of good resources out there for help on these questions however they are all written (or spoken) from a general point of view. One size doesn’t fit all. What’s good for someone else may be the opposite of what you should do.

In the end we always try to make smart money decisions and it’s great to have clarity in the choices you face. There are times it’s not always about the money though and it’s very helpful to know when those times are.

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