Have Coffee with Larry
ARE YOU ON THE RIGHT PATH?
With all the disruption in the financial markets, many investors are currently unhappy with their wealth managers. Investors are unsure what to do now. Should they switch advisors? And if so, how do they find the right one?
DO YOU KNOW WHERE YOU ARE GOING?
To help you make informed decisions about your financial future, and to help those people you care about most, we are offering our Second Opinion Service, a comprehensive review of your wealth management strategy. Or, you can begin with a self assessment below.
WHY GET A SECOND OPINION?
A second opinion may confirm you are on the right path.
It may identify solutions you have not considered.
It is painless and not a sales presentation.
Before you consider a second opinion, we should meet to get to know one another. Wealth management requires trust and confidence – and that must be earned. Coffee is the first step.
It’s just that easy. I encourage you to contact me to set up a time for coffee.
Some examples, of many, that others who have come in for coffee have on their minds ...
Social Security ...
I used to think taking Social Security as early as possible. Upon further research and reflection, I have changed my mind. Although individual circumstances are important considerations, all things being equal under relatively recent legislation, delaying benefits as long a possible may maximize benefits. Spousal strategies can be evaluated and benefits may be taken separately under "file and suspend" provisions. (Senior Citizens Freedom to Work Act, 2000).
We can evaluate various Social Security scenarios in order to determine when and how you should file for benefits. Can you work and draw benefits? Can you do a "do over?" For spouses, can one file and the other wait longer? Survivors? Divorces? Your Social Security office can tell you what your benefits are now if you're eligible, however they don't generally do strategy type scenarios to plan ahead for possible future benefits. They rely on their website calculators and ask you to do these projections on your own. I may help you develop strategy.
Self Assessment ...
You may download this excel spreadsheet and do your own pre-retirement self assessment (it helps refine things for retirees too). The assessment is designed to consider your current living lifestyle with information readily at your fingertips. If your computer will not run excel, you may download a worksheet that collects the information needed for the assessment and send that information to me to form a basis for discussion as to how ready you are for retirement.
Retirement Sustainability ...
How can you tell if you are taking too much from your accounts where you might run out of money? The basic 4% rule most use does not help unless you can adjust your income up and down with the markets. Most can't, or don't want to, do that. Research has gone beyond the basic 4% rule and journalists are slow to report that. Essentially, the withdrawal rate is time-dependant; but, there is a measurement tool that is time independant so it remains effective as you age through retirement. You and I can talk about how to apply recent findings to your retirement income needs over coffee.
45 day online planning software access ...
You may request 45 day free access to my planning software online. I use the same software with my clients. This option is for those who prefer more detail or have multiple goals they wish to synchronize. At your request, I can assist you with the results. Simply contact me for the site address, your login ID and password through one of the options listed in the right navigation bar.
Anything else on your mind?
Let's talk about it over some coffee.
You may request any of the above services at no charge and under no obligation. I respect your wishes and decisions just as I respect those of my clients.
Wealth management requires trust and confidence – and that must be earned.To do so, simply contact me.
Note: these offers are only for those living in the State of California.
|
