We combine over 30 years of Wall Street and retirement planning experience with a process designed specifically for pre-retirees and retirees who are in Stage II (Capital Preservation and Distribution of investments) of their financial planning process. Our approach integrates investments, tax efficiency, and income planning — all aligned with your values and goals. Second, we focus on Risk Management and avoiding large losses across all your portfolios and we have a rules-based loss limit strategy. Third, we incorporate all of your assets (including real estate, partnerships, alternative investments, annuity & insurance) into your comprehensive retirement plan.

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As fiduciaries, we are legally and ethically required to put your best interests first — always. Our advice is independent, transparent, and free from product-sales pressure. Our fiduciary duty to you goes beyond “Investment Suitability” for you, as investment products may be suitable for your risk profile (e.g. bitcoin, AI emerging growth stocks), but not necessarily in your best interest.

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We offer a flat annual planning fee or an assets-under-management model — both fully disclosed and transparent. No hidden costs or commissions. You will have a complete schedule of your costs including our compensation for products that are not paid by you, but by the insurance companies to us.

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