When it comes to financial planning, our team's approach is built on three key components: Wealth Management Investment strategies and philosophies. How to properly allocate your investments to match your risk temperament and goals. Flexibility to deal with volatile markets. Guarantee options to protect against the downside. Retirement Planning Maximizing your pension, including analysis of the pros and cons of the 3M lump sum pension option vs. a traditional monthly payment. Providing a personalized retirement distribution plan that covers each phase of your retirement. Social Security maximization. Estate and Charitable Giving Strategies Living and death documents. Legacy and charitable planning. Coordination of your retirement plan with your estate plan. Inherited IRA planning for your heirs, including inherited IRA trusts.