Our Services

Whether you are just starting your career, heading toward retirement, or managing a business, Retirement Income Specialists will help you define your goals, assess where you are in the journey, and build a comprehensive plan. Our expertise includes cash and liability management, investment planning, risk management and tax planning strategies. Importantly, your personal financial plan will not only detail strategies for savings and investments, it will also define the optimal combination of income streams once you have retired. Once your plan has been built, we will help you manage the implementation of your plan, and provide ongoing advice to adjust the plan as your goals change.

Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. 

Fee-Based Financial Planning

We offer three levels of service designed specifically to fit your life, at any stage.

Silver Level

Best suited for new clients seeking basic financial analysis, insurance analysis, investment analysis, and retirement projections.
Fees will vary based on the complexity of your individual financial circumstances

Gold Level

Everything from silver plan, including goals-based planning (advanced tax and estate planning) as well as charitable giving strategies and special needs planning.
Fees will vary based on the complexity of your individual financial circumstances

Platinum Level

Everything from Gold plan, including business planning topics, stock options, employee benefits, and real estate investments.
Fees will vary based on the complexity of your individual financial circumstances

What's Included?

  • Support from our team year-round
  • A comprehensive financial plan, updated annually
  • Cash flow analysis
  • Asset allocation analysis
  • Income and expense analysis
  • Health insurance review
  • Basic goal-based planning
  • Online account access to our planning software

Wealth Management

After our team creates your personalized financial plan, you have the option to use our investment advisory services which include:

  • Tax loss harvesting
  • Access to asset allocation programs
  • Cash flow management
  • Facilitation of required minimum distributions
  • Facilitation of Qualified Charitable Contributions
  • Retirement plan rollover option discussion

 

Life Events 

  • Estate planning strategies
  • Retirement planning
  • Tax minimization strategies
  • Charitable giving strategies 
  • Business transfer strategies
  • Cash flow planning

Your Wealth Management Services include a yearly investment review and a year-end review at no charge.

For more information or to begin your journey toward financial confidence, contact our team today.

Thank you for visiting Retirement Income Specialists, and we look forward to hearing from you.

Insurance Services

Insurance analysis and recommendations are also available through our planning process. Your plan may include the following types of insurance:

  • Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance
  • Health Insurance
  • Medicare Supplements
  • Annuities
 

Services Offered

  • Personalized, expert assistance choosing appropriate coverage types and levels
  • Access to the highest-rated carriers in the industry
  • Consultation on how insurance integrates with your overall financial plan
  • Annual reviews to ensure your coverage is up-to-date and relevant

For You and Your Family

Investment Strategies We optimize the underlying investment choices to support those strategies, and then conduct ongoing scheduled reviews to update you and evaluate your strategies.
Student Loans Analysis Refinancing your student loans can mean potentially paying less over time with lower monthly payments and lower interest rates.
Tax Planning*
Risk Management
Retirement Income Strategies Help secure a more comfortable future with solid planning today. Protecting your wealth involves taking advantage of a diverse array of financial solutions tailored to your long-term needs.
Long-Term Care Strategies Whether long term care services occur in a nursing home, assisted living facility or your own home, the costs can be a huge expense.
Estate Strategies Advanced estate planning and trust services require specific knowledge typically not provided by many financial professionals.
Trust Services A trust is a fiduciary arrangement through which the trustee manages assets for the benefit of third parties. A trust is commonly used to transfer wealth to heirs or to favored charitable organizations.

For Businesses

Experienced Financial Advice Our Team has over 40 years' experience providing experienced advice to businesses.
Business Continuation Strategies Is my business capable of continuing its success in the event of my or my partner's untimely death or disability?
Employee Benefits Have I done everything I can to attract, retain and reward the key employees that are critical to my business?
Retirement Analysis and Programs Do I have a plan for my business when I retire?

Trust services are not offered by Retirement Income Specialists.

 

*Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.