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Building My Financial House

Building My Financial House

Built to Last!

1) SECURE MY RETIREMENT INCOME

In retirement planning, a priority must be placed on secure income. Once you hang up the J-O-B, you’ll need I-N-C-O-M-E. We know from experience that the happiest retirees are the ones with reliable and systematic monthly income. We help by identifying which investments should be income producing assets and in what products or strategies to place these assets. The successful result of this planning yields monthly income that is sufficient to meet your needs even when the market is not performing well. We know that in the future, you’ll need income even when stocks are under water.


2) GROW MY PORTFOLIO

Once you’ve built a secure retirement income floor, we build on that with your growth portfolio. Remember, however; that you still need to place emphasis on preservation. This may depend on your personality, or on the amount of reliable income you have coming in each month. One thing is true, you’re not going to start your career over and re-earn all of this money. So, let’s invest with downside protection. Our Stop Loss Portfolios feature a trailing stop loss that follows your investments up, helping you hold onto the gains you’ve made during a bull market. Fewer losses means fewer years of your retirement trying to recover. This can add to your peace of mind and also have tangible benefits – like more money to upgrade your car or take the European river cruise.


3) INCREASE MY TAX EFFICIENCY

Are you wondering if ROTH conversions are right for you? Have you thought about selling an investment property, but capital gains taxes are keeping you from it? Maybe you have an ongoing or future RMD that’s creating tax bills that you would like to get rid of? All of these topics and many more are addressed in our comprehensive retirement income tax analysis. In fact, we don’t look at taxes as a separate topic, we analyze every source of your retirement income simultaneously to determine the most tax-efficient strategy and show you exactly what you’ll be paying in retirement. You have to pay your taxes, but nobody said you have to leave a tip!

4) PLAN FOR LONGTERM CARE (LTC) EXPENSES

Through thoughtful analysis, we can determine if you should think about buying coverage or if your assets should be enough to cover these potential costs. Our goal isn’t just to have our clients paying premiums unless it is in their best interest to mitigate the Long Term Care risk with some level of coverage. If we determine that you should get coverage, we have options that allow you to pay for LTC from a tax free life insurance policy.  If you go out in a blaze of glory and don’t use the LTC benefits, the life insurance policy pays your heirs – no more use it or lose it coverage. Quotes are free and it would be our privilege to help you dial this in.

5) UNDERSTAND MY FEES

Every week we visit with prospective clients that are not sure what they’re paying for their investments. Admittedly, wealth managers are reluctant to disclose these numbers or perhaps you’ve been hesitant to ask. Our analysis of your portfolio will peel that onion for you so that we can speak knowledgeably about the fees you are paying within your 401k, IRA, Variable Annuity or Brokerage Account. If you’re paying fees, let’s make sure it’s for the right reasons, and that you’re getting what you’re paying for. In most cases, we can lower the fees that you’re currently paying, which means more money for you to spend, grow and give.

6) ASSESS THE RISK IN MY PORTFOLIO

We utilize a software called Riskalyze that enables us to stress test your current portfolio. Would you like to know, for example, how your wealth might fare in another market crash, or see what changes you could make to protect your income producing assets from experiencing large losses? These scenarios are worth considering as you enter or continue a phase of life where you may not have any more earned income. To make sure you don’t run out of money, it is critical that you preserve as well as grow your nest egg. Let us show you how you can do both!

It’s Personal!

It’s Personal!

As equestrians, we ourselves know the risks inherent in the sport, and want to provide a safer, more confident atmosphere for enjoying the horses we all love.  We educate our clients about how to get peace of mind in the saddle, and take the mystery out of saving for retirement, insurance, and especially critical injury protection.

Contact us to learn more about affordable, high-value life insurance with living benefits and how to grow and protect your nest egg for retirement. A 15-minute Zoom call can change your life!


Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of ARM’s foundation of success.