Spend Your Retirement Free from Financial Worry and Stress
It’s time to relax and enjoy. Whether you are getting ready to retire or are already retired, we work with you to ensure you are protecting and enjoying the lifestyle you have built.
Minimize Your Tax Burden
You worked hard for your money. Let’s make sure you keep as much of it as possible to spend on the essential things in life.
Customize Your Investments
Are you on track to meet your retirement goals? Spend safely from your portfolio.
Maximize Your Benefits
Deploy the right strategy to increase your lifetime benefits from Social Security and Medicare.
Retire With Confidence
We will partner with you to create a customized retirement spending plan.
We work with a range of couples and individuals entering late adulthood, through a collaborative partnership that drives your financial planning and investment management strategy. A Complete View Financial client profile could look something like this:
- You’re a couple who has been busy with your own professional lives and raising a family. You've split your duties and responsibilities but are now ready to plan for your next phase of life.
- You and your partner aim to be on the same “financial page” and create your ideal retirement plan together.
- You want to ensure that your spouse is cared for and that a continuity plan is in place, should anything happen to you.
- You’re a diligent saver and have accumulated a retirement portfolio of at least $750,000.
- You are ready to partner with a trusted advisor, and you understand that the transition to retirement is too important to be planning for retirement without the right financial experts on your side.
- You understand and value the guidance an experienced financial planner can provide to your short and long-term financial approach.
- You are the type of person that appreciates shared mutual respect and enjoys an authentic, yet kind approach to dealing with money matters.
We aim to create a complete and clear view of your financial world. We want to partner with you in your retirement journey by helping you set financial goals and empowering you with the financial knowledge you need for success through transparent and honest guidance.
Valero Employees Transitioning to Retirement
You have worked many years for a great company and now want to ensure you maximize all your benefits for a successful retirement.
You must consider a variety of factors and financial resources like your Merrill Lynch 401k, Cash Balance Defined Benefit Plan, the Valero Pension Plan, Restricted Stock Units & Stock Options.
We help you navigate issues like the Net Unrealized Appreciation (NUA) of Valero stock and the tax implications.
Do you own a concentrated position in Valero stock? What type of risk are you taking?
Through our experience with multiple Valero retirees, we have become experts in understanding the retirement benefits unique to Valero.
We help you determine the best way to benefit from your pension and social security. A full understanding of your unique cash flow needs in retirement must be taken into consideration.
We Bring to Our Relationship
We have met the education, experience, and ethical standards, and have made a commitment to CFP Board.
We provide our clients with advice backed by over a decade of best-in-industry experience.
We utilize industry-leading technology to allow our clients to access their plans in real time.
We have easy-to-understand fee-only pricing. No commissions. No product sales. Just simple straightforward pricing.
We must put your financial interest above our own.
We independently recommend suitable financial strategies and products from the whole of the market.
We base recommendations on your cash flow, retirement planning, risk management, investment management, tax management, and estate planning.
Our location is entirely independent of where you happen to be and we can work virtually.
WE HELP ANSWER
Am I doing the right thing with my money?
When can I retire?
Will I outlive my retirement assets?
Is it time to revisit my retirement plan?
How much can I safely spend in retirement?
When should I begin my social security benefits?
Can I maintain my current lifestyle in retirement?
What have I not considered when transitioning into retirement?
ABOUT YOUR NEXT CHAPTER
Have You Wondered What To Do In Retirement?
When you dig a little deeper, two questions keep coming up: Am I really ready? And, what am I going to do with all that time?
Retirees’ Top 6 Financial Concerns in Old Age
Retirement is playing out a lot differently from how it did in past, this is an ideal read for those nearing their mid-70s.
