Robert Chamberlain, CFP

Retirement Income Planning & Management

Are you highly confident that your retirement income will always be sufficient to sustain your lifestyle and to maintain your dignity and independence, even if prices continue to double every 20 years?

Or are you at all concerned that you might actually start to run out of money at some point during your later years?

We offer comprehensive financial planning with a focus on retirement income planning and management.

What Makes Us Different?

Some financial advisors offer only limited financial planning services, such as retirement analysis or life insurance analysis.  Some advisors offer only investment management and/or brokerage services and may then offer only a very limited selection.  Others offer only insurance products.

If your advisor has a limited array of financial products or services at his disposal, it might be reasonable for you to question whether his recommendations are really the best solutions for you.

On the other end of the spectrum you may find the advisor who offers a broad array of financial products and services, and who requires that you buy the whole package from him – financial plan, investment management, insurance, and perhaps tax preparation and estate planning, too.  Some people like that kind of arrangement, but it’s often quite expensive and it’s not the best choice for everyone.

We're Flexible to Meet Your Unique Needs

We offer comprehensive financial planning services, but we don’t recommend comprehensive planning to everyone.  If you need only a retirement income plan, or an estate distribution plan, or any other limited review or analysis, we’ll limit our work to those areas and our fee will be based on the services provided.

When it comes to investment management, we offer a broad array of investments and we charge only for that portion of your portfolio that’s under our management.  Some investments are available on either a fee or commission basis, depending upon your needs and preferences.  Both options have their merits and their appropriate uses.

We also offer life, health, disability, and long term care insurance to our clients through our affiliations with other professionals. We do not offer property and casualty insurance, though we will offer specific recommendations in those areas if they are included in the financial planning services for which you engage us.

We do not offer tax or legal services but we regularly coordinate with our clients’ tax and legal advisors on those matters where such counsel is needed.

Check out our FEATURED LINKS (under the "About Us" tab) to learn more about our mission, processes, and the services we offer.

Who we are and what we do  (a short video)

 Your Goals Come First  (a short video)

 

 

 
Calculators

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Financial IQ Test

Take this quick quiz to find out your Financial IQ

More Calculators →

Newsletters

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

What Do Price/Earnings Ratios Really Have to Offer?

It's not hard to find the price/earnings ratios of publicly traded companies or even the market as a whole reported in the news. Unfortunately, it may be difficult to understand what the numbers mean without the ability to make meaningful comparisons.

ETFs for the Conservative Investor

The number of exchange-traded funds has grown rapidly in the last decade. Total ETF assets exceeded $1 trillion in March 2011, an increase of more than $200 million over the previous year. This article explains the potential benefits of ETFs and why some of them might appeal to the risk-averse.

Designating Retirement Plan Beneficiaries

IRAs and defined-contribution plans have become an important component of personal wealth for households. Designating account beneficiaries and keeping the designations current can be a complex — but important — process to perform on a regular basis as certain life events and tax situations can necessitate a change.

More Newsletters →