It is not easy to make changes. People often assume that to be rich they need to inherit piles of cash or do something drastic to save enormous amounts of money. It is true that you need savings to build wealth, but you do not need a sudden windfall. Small changes have large effects over time.

A cash flow analysis establishes your current spending and saving rates. This helps us check progress toward your financial goals, estimate potential retirement income, or draft a spending and saving plan.

Our financial planning team provides clients with cash-flow analysis, savings plans, gifting strategies, capital needs analysis (life insurance), debt reduction, home-purchase analysis, life transitions planning, and estate planning solutions.

A cash flow analysis and net worth statement are the first steps for a Retirement Plan Analysis.

Safe Withdrawal Rates, Asset Allocation, and the Importance of Staying Invested

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Our firm has become known for our method of computing maximum safe withdrawal rates in retirement. Our safe withdrawal rates are based on having what we believe to be optimum asset allocation targets.

Why The 4% Rule Is Not A Sufficient Withdrawal Strategy

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Determining what constituted a safe withdrawal rate was one of the first questions I tackled. After a year and a half of study on the question, I had realized the inadequacy of the 4% rule and found a methodology which provides more useful when advising clients.

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