• Choose appropriate tax efficient distribution options from retirement resources 
• Government means testing of Social Security benefits and Medicare premiums
• Required Minimum Distributions at age 70 ½ on qualified accounts  
• Tax bracket topping strategies 
• Reveal the proper order of distributions on investment accounts to minimize annual tax liability 

We design a specific Retirement Income Plan based on your retirement resources, to help you transition from the accumulation phase in preparation for retirement to the distribution phase in retirement. 

• Discuss life expectancy to determine the longevity of your financial resources 
• Reassess and discuss your risk tolerance annually 
• Identify and discuss the difference between your retirement income needs and wants 
• Assists to identify a sustainable retirement income and inform you of your “income ceiling” 
• Identify sources of retirement income and determine appropriate order and age to collect each 

• Use of tax advantaged Health Savings Accounts (HSA)
• Work with our Associated Health Options agents or your own agents to assist you with:
  • A health expense budget
  • Medicare options
  • Understanding the parts of Medicare:
    • Who qualifies
    • How and when to sign up
    • Penalties
    • Medicare supplement policies

• Help to prepare for potential long-term care needs for yourself and aging parents 
• Identify various funding options: 
  • Self-insurance 
  • Traditional long-term care insurance 
  • Long-term care/choice care riders available on annuities and life insurance 

Work with our Associated Attorney or your Attorney to: 

• Discuss estate planning needs 
• Properly fund your trust and update beneficiaries 
• Utilize investments and life insurance to minimize impact of estate taxes to heirs 
• Living wills 
• Power of Attorney (financial and medical)