Goals: Reduce taxes, improve investments, and create a reliable income stream in retirement.

Matt and Jessica don’t have a set retirement date. Not because they can’t retire, but because they’re not sure when (or if) they want to stop working. Matt is a state employee and Jessica is a respected physician. They both enjoy their careers — their work adds value and meaning to their lives. They’ve worked for decades to excel in their fields, and they aren’t ready to leave their passions simply because they’re nearing traditional retirement age.
The challenge isn’t overcoming any financial mistakes or limitations, they’ve been doing all the right things:

• Generating close to six-figure incomes
• Maxing out retirement vehicles and other investments
• Growing sizeable equity in their primary home
• Protecting themselves with the right types of insurance

So, what’s the problem? Matt and Jessica wonder if they’re missing something. Is their current plan right for them? They admit…they don’t know what they don’t know. As they approach the next stage of life, they want a financial professional to help them make strategic decisions with their money. They also want help navigating taxes in retirement. While Matt and Jessica aren’t in a hurry to retire, they want to know they have the option.

How Pine Harbor Helped

Matt and Jessica weren’t sure where to begin, which is why they pursued professional help from a financial planner. Plus, they’re busy. They don’t want to get bogged down trying to figure everything out on their own. When Matt and Jessica hired us,  we were concerned about more than just their investments. We wanted to help with the entire financial picture, especially taxes.

We put together a comprehensive plan that met all their needs:

• A tax-efficient investment strategy to reduce risk and improve returns.
• Reduced investment costs.
• Improved asset allocation to better align with their goals.
• A smart, sustainable rebalancing strategy.
• Reduction of tax liabilities through charitable giving, Roth conversions, social security timing, and more!
• A tax-efficient IRA funding strategy.
  

How Matt and Jessica Benefited

They also gained our AdviceWorks personal finance website, helping them organize their financial life and gain clarity. Matt and Jessica now enjoy the financial confidence that comes from a clear financial plan. They have more energy and mental space to dedicate to what they enjoy — knowing they have the choice to retire when the time is right.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.