are you ready?

10,000 baby boomers will retire every day for the next 19 years.  

Are you one of them?

if yes...

Accumulating the assets necessary to fund your retirement is a major accomplishment.

However, it is only the first step.

Depending on your goals, your age, and your net worth, there are numerous strategies and planning opportunities for anyone considering retirement within as many as ten years. The ideal retirement looks different to every individual, and the planning opportunities can continue up through, and even many years beyond retirement.  

do you have a spend down plan?

"What's a spend down plan?"

Ask that question to your current investment manager or stockbroker and you are likely to get a blank stare. Or, if you've successfully managed your own investments up to this point and are not working with an advisor, have you crafted a spend down plan for yourself?

The skill set and knowledge base required to create and implement an effective spending plan for your retirement that will reduce the chances of exhausting your assets is substantially different than the skills needed to accumulate those same assets during your working years.

Planning for the withdrawal phase is much more complicated than just saving, living within your means, and building a low-cost diversified portfolio. 

The "black out" period between retirement and claiming Social Security, reviewing and modifying outdated estate documents, managing income opportunistically around key income tax thresholds, anticipating cashflow needs in advance, "back door" Roth IRA conversions, and structuring your investment portfolio in the most tax-efficient manner possible are some examples of the value-added planning Consolidated Wealth can provide as your wealth advisor.

We can help create a spend down plan that will reduce your chances of running out of money.  

enjoy your retirement..don't spend it worrying about money

Divorce is a time of change that really rocks the foundation of most people's lives.

But, when we have our hearts broken, or our dreams stymied, it can be an opportunity to grow, and a time to consolidate.

Wherever you are on your journey, we are here to help. Whether you are just considering filing and would like someone to help you understand the potential financial impacts of a divorce, or have already completed the divorce and are now financially independent for (possibly) the first time in your life, we have the expertise and EQ needed to ensure you feel confident about your path forward.

As a Certified Divorce Financial Analyst® (CDFA), we have the expertise to help you, and your attorney, understand both the short and long-term implications of property division, analyze retirement plans and pensions, and evaluate the tax implications of various settlement proposals. We also have extensive training in divorce mediation, family systems theory, and mental health issues surrounding divorce to ensure that we can provide the most encompassing and empathetic service possible to you during this stressful time.

We are part of the Collaborative Family Law Association--a group of professionals committed to providing a respectful, professional Collaborative Practice resulting in an out-of-court resolution satisfactory to both parties. We value collaboration and are ready to work with any other professionals on your team throughout the process. 

Beyond the initial collection and analysis of data, we can also help to manage the post-divorce expectations of both sides, help develop budgets, establish your future financial goals, serve as an expert witness in court if needed, and work with you as your financial advisor after the divorce has settled, if appropriate.

If you are already working with a counselor, and would feel more confident with them attending our initial financial consultation, WE WILL PAY to have them join you at the meeting.

death of a spouse