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. 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.
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.
Gold Level
If you find yourself intimidated by the ever-rising price of higher education, then a 529 plan might be a key component in saving for a college education.
Platinum Level
If you find yourself intimidated by the ever-rising price of higher education, then a 529 plan might be a key component in saving for a college education.
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
- Found money strategies
- Basic goal-based planning
- Quarterly Newsletters
- Online account access to our planning software, Investor360
Investment Management
Annual Fee: 0.6% - 1.1% of assets under management
After our team creates your personalized financial plan, you have the option to use our investment management. Services included:
- Manager and security selection
- Tax loss harvesting
- Ongoing due diligence for portfolio managers, risk mitigation, and expense management
- Portfolio rebalancing
- Cash flow management
- Facilitation of required minimum distributions
- Facilitation of Qualified Charitable Contributions
- Roth conversion Strategies & Implementation
- Access to our team, Investment Committee, and National Investment Team
Life Event Planning
Includes:
- Divorce
- Sale of business
- Second home purchase and refinance
- Trust or Estate setup
- Birth or adoption
- Unexpected cash flow
- Tax planning
- Charitable giving
- And others
Your Investment Management Services include a yearly investment review and a year end 5 year investment 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