• We assist you in meeting your financial needs and goals.

First, we conduct a detailed review of your financial circumstances. Next, we identify your immediate financial needs and financial goals.

1. If you are already retired:

• We review your current spending patterns and determine how much you are spending to maintain your current lifestyle.
• We review your sources of income.
• We review your assets and identify assets which are not generating a reasonable level of income or are at risk of being lost.

2. If you are still working and planning for retirement, we identify your long term financial needs:

• When do you want to retire?
• Where do you plan to live when you retire?
• How much income will you need in retirement to maintain your lifestyle (How will your spending in retirement be different from your spending pattern now?)
• What amount of assets are needed to generate the income you need in your retirement and provide you with "financial security"?