Services
Comprehensive Financial Solutions for Every Chapter of Your Life
Navigating the complexities of financial planning can be daunting, but you don’t have to do it alone.
We understand that each individual has a unique financial story, with dreams, aspirations, and concerns that are deeply personal. That’s why we take the time to listen, to understand, and to tailor our services to fit your specific needs.
From ensuring a comfortable retirement to leaving a legacy for the next generation, our comprehensive suite of services is designed to guide you at every stage of your financial journey.
Retirement Income Planning
A: Any liquid asset that you accumulated through your working years that might be considered for use as an income source in retirement. Examples include retirement plans, brokerage accounts, and cash or cash equivalents.
A: During your working years, the focus has been on accumulating and growing your investments. At and during retirement, the focus shifts to how to use the least amount of your investment nest egg to ensure your income needs are met for the duration of your retirement.
Social Security Optimization
We assist you in making informed decisions on when and how to claim Social Security benefits so you get the most out of them. Together we find the path with the highest probability of success, so you can achieve your desired income using the least amount of capital.
A: Your specific benefit levels do come from the SSA, however, they are unable to give you advice on claiming strategies and decisions. Overall, there are more than 500 possible filing combinations!
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Tax Planning
A tax efficient retirement income strategy is something that we stress the importance of. We will analyze your potential total taxability in retirement, and come up with a plan that can help to reduce your overall tax liability—now, and even for the next generation.
A: No. While we are committed to tax efficient financial planning, we are not tax advisors and do not prepare tax returns. We can work closely with your accountant/tax professional to ensure efficiency/accuracy of our tax planning projections.
Asset Management
A: Yes. As IAR’s of Independent Solutions Wealth Management, we are held to a fiduciary standard. That means we (and our investment committee) are required to put our clients’ best interests first.
A: While we help you identify the proper investment strategy based on your goals, objectives, and tolerance for risk, our Investment Committee creates and actively manages the client portfolios.
A: Our Investment Committee includes 8 individuals, including a Chartered Financial Analyst (CFA) and a Chartered Financial Consultant (ChFC). Collectively, this team has over 200 years of investment management experience.
Estate Planning
It’s more than just passing on assets, it’s about leaving a lasting mark. This planning helps with efficient asset transfer strategies, risk mitigation, tax, asset protection, and long term care strategies, as well as ensuring the household understands probate and to ensure their affairs are in order when they pass away. We’ll help you design a plan so you can sleep soundly knowing your legacy will be handed down exactly as you envision
A: We help educate you on the most effective transfer and protection strategies of your wealth so you can rest assured that the burden is minimal on your loved ones. We help you to identify blind spots and provide solutions to meet your wishes.
A: Since we are not licensed attorneys, we are unable to give legal advice and/or draft legal documents. However, we have a close network of trusted estate planning attorney partners that we refer our clients to as needed for consultation and any drafting/execution of documents.
If any of these services interest you, let’s chat!
Ready To Get Started?
With Retirement Income HQ by your side, every step is intentional, and to get started we like to follow our unique “5D’s of the Fortified Retirement Flightplan.”
Each step is meticulously crafted to ensure your journey towards retirement is as smooth as possible.
DISCOVER
DIAGNOSE
DEVELOP
DELIVER
DEDICATE
DISCOVER
This is where your journey begins. In this phase, we dive deep into understanding your goals, aspirations, family dynamics, and all the financial nuances that come with them. It’s a collaborative process, and we prioritize truly getting to know your unique situation.
This is where your journey begins. In this phase, we dive deep into understanding your goals, aspirations, family dynamics, and all the financial nuances that come with them. It’s a collaborative process, and we prioritize truly getting to know your unique situation.
DIAGNOSE
Upon gaining clarity from the Discover phase, we move onto Diagnosing. Here, we take a close look at your current financial landscape. Our experts meticulously analyze your standing, pinpointing opportunities and areas for growth and enhancement.
Upon gaining clarity from the Discover phase, we move onto Diagnosing. Here, we take a close look at your current financial landscape. Our experts meticulously analyze your standing, pinpointing opportunities and areas for growth and enhancement.
DEVELOP
With a clear diagnosis in hand, we craft a financial blueprint tailored just for you. The Develop phase is where your aspirations are transformed into actionable strategies, ensuring your retirement goals are always within reach.
With a clear diagnosis in hand, we craft a financial blueprint tailored just for you. The Develop phase is where your aspirations are transformed into actionable strategies, ensuring your retirement goals are always within reach.
DELIVER
It’s time to bring your tailored plan to life. In the Deliver phase, we provide all the guidance, tools, and support needed to set your strategy in motion. And to keep things transparent, we introduce you to your client portal, allowing you to oversee every step of your financial journey.
It’s time to bring your tailored plan to life. In the Deliver phase, we provide all the guidance, tools, and support needed to set your strategy in motion. And to keep things transparent, we introduce you to your client portal, allowing you to oversee every step of your financial journey.
DEDICATE
Our journey together doesn’t end after delivery. We Dedicate ourselves to your long-term success. Regular check-ins, continuous monitoring, and adaptive refinements are a given, ensuring your plan evolves alongside your changing goals and life situations.
Our journey together doesn’t end after delivery. We Dedicate ourselves to your long-term success. Regular check-ins, continuous monitoring, and adaptive refinements are a given, ensuring your plan evolves alongside your changing goals and life situations.
