We address your pressing questions about retirement
Am I on track for a secure retirement?
Based on your detailed cash flow and net worth projections (aka "financial modeling"), we help answer the question "am I on the right track for retirement?" Proper detailed retirement analysis can help answer the following key questions:
- Am I saving enough for retirement?
- What are the trade-offs of different retirement dates?
- How do I properly balance living for today versus planning for tomorrow?
- How much can I confidently spend in retirement?
- How can I develop a financial roadmap for my future?
How do I create a reliable income stream in retirement that will last my lifetime?
You may no longer receive a paycheck yet you still have dreams and expenses. Yesterday's approach to retirement -- living off of dividends, interest and a pension -- is no longer a viable option for most retirees. Annuities are costly and inflexible. The traditional approach of managing a portfolio has disadvantages. Enter the matching approach. Let us show you how how creating the Matching Bucket and the Growth Bucket can provide security, peace of mind, and long-term financial independence during good and bad markets.
What are top strategies to minimize income taxes?
A good advisor may help you save tens or hundreds of thousands of dollars leading up to and through retirement. You have come to the right place. Whether it is maximizing benefits at your workplace, implementing Roth conversions at key years around your retirement date, or developing a tax-effective withdrawal strategy, our tax-focused advisors lead by a CPA and tax lawyer seek ways to minimize taxes that are integrated with your overall financial plan.
How do I discover and define my purpose in retirement?
Your retirement may look quite different than your parents' retirement. Better health, increased longevity, and greater wealth can lead to the best stage of life yet. Whether you call this period the Third Act, rewirement, retirements, or the new retirement, what are you going to do with it? Our life-centered approach to financial planning is about way more than investments, tax-efficient withdrawal strategies, and budgets -- it's centered on your life.
What's the right mix of stocks and bonds?
As a near-retiree and retirees, your asset mix should be quite different than it was 10 years ago. You need income for the short and medium-term, yet you need growth to out pace inflation and meet your long-term needs. Crafting the right mix of stocks and bonds with a focus on tax-efficiency, lower-cost investments, and evidenced based investing can make all the difference in providing the financial independence you deserve.
When is the right time to take my Social Security and pension?
The right time to take Social Security is not the same for everyone. We will review your cash flow, your income taxes, and your overall situation in making our recommendations. Similarly, deciding whether to take your pension as a lump sum or an annuity is dependent on factors unique to you, the interest rates, and other factors.
How do I select the right health insurance?
Health costs in retirement can be dramatic, but it doesn't have to cause stress. Whether you are retiring before Medicare age and need to evaluate qualifying for health insurance subsidies or you are trying to evaluate Medicare Supplemental policies, it's critical to use an advisor that analyzes this decision in an integrated manner while focusing on the details of this critical need.
How do I leave a legacy to my loved ones?
Whether you plan to leave assets to your spouse, your children, your grandchildren, or your favorite charities, you may need to update key documents to ensure your estate passes to your heirs rather than others or the government:
- Wills and trusts
- Beneficiary designations
- Durable power of attorney, living wills, and health care surrogate.
Fiduciaries & Fee-Only
Acting in your best interest with a servant mentality. We do not receive commissions of any kind.
A place of peace, safety, or happiness in the midst of trouble.
Specializing in the unique issues near-retirees, retirees, and widows face.
Team of Credentialed Advisors
50+ Years of Experience
CFP® Professional, CPA, CFA, JD, MBA
Videos and Overview
Planning Is A Journey
Is life too busy or do you find your financial affairs overly complicated? This short video explains how you can get control and get back on track.
This video series captures stories on Dimensional’s origins, philosophy, and investment approach. Oasis builds upon Dimensional's resources and approach.
This video discusses the origins of Dimensional and its academic roots. Similarly, Oasis Wealth trusts in the academics rather than chasing fads.
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