Questions we address

No two clients we meet are the same.

While all of us can have similar visions, our circumstances, resources and attitudes can differ greatly.

However, we do see many common questions from our clients.  Below are some of the more common ones we hear.

Mid-Career Professional

Financial Planning for Retirement and Other Goals

  • How much should I contribute into my retirement plans?
  • What is the best means to save for my kid's college?
  • How should I be investing my money at this stage of my life?
  • Should I be refinancing my mortgage?  For how many years?
  • Do I have sufficient insurance in case I get disabled or die?
  • I want to look at the "Big Picture" to make sure I'm handling my investments and finances properly.

Changing Jobs

  • I have an old company 401(k) plan.  What can I do with this?
  • I have worked for several companies but I'm not sure what or if I have anything at those organizations.
  • I am starting a new position.  What benefit options should I select?


Wealth Building for Retirement

  • When can I retire?  How much difference does it make to wait?
  • How much would downsizing my home help me toward retirement?
  • How much should I be putting into my 401(k) plan?  Should I fund a Roth IRA?
  • My portfolio has done lousy over the past "x" years.  How can I improve my investment performance?
  • What should I be doing to increase my retirement nest egg?


  • My parent or ancestor recently died, and I stand to inherit an IRA and other assets.  How do I handle these?
  • I recently inherited a huge block of "____" Common Stock that my ancestor accumulated.  What should I do with this?

Social Security and Pension Issues

  • When should I start my benefits?
  • Should I take a monthly pension or the lump sum distribution?
  • Which pension option should I select: life only, joint, etc.?
  • Should I buy back my years of service?

Cash Flow Planning Issues

  • Once I retire, how do I generate the income I need?
  • What are the pros and cons of staying at "XYZ" vs. retiring and consulting?
  • What should I do with my retirement plans after I retire?


Maintain Lifestyle

  • How do I generate more income?  The yields on my bonds, CDs, etc. are so low...
  • How can I avoid running out of money?
  • Could I spend an extra $X per year on travel for the early years of my retirement?

Stock Market Volatility

  • The market is so volatile.  How can I reduce my risk?

Long Term Care

  • How can I avoid running out of money if my spouse or I need long term care?

Estate Planning

  • My kids are not good with money.  Is there a way I can have it managed for them once I die or am no longer able?
  • What is the best way to maximize the impact of the gifts or bequests I make to charity?
  • My kids are from my prior marriage.  How can I provide for both?
  • How can I maximize what I leave to my heirs?

Corporate Professionals

Start Ups

  • How do I optimize my company benefit options in light of my career path?
  • How should I be investing my contributions in the company retirement plan?
  • How much should I be investing in the stock retirement plan?
  • How do I protect my family's lifestyle in the event I become disabled or pass away?


  • How do I maximize the value of my company's stock options?
  • What are the most appropriate investment strategies to provide for both college funding and for my retirement?
  • What are the pros and cons of continuing my employment at my current company versus taking a position at another firm?
  • What strategies should I employ to provide a safety net for my family in the event I find myself involuntarily out-of-work?


  • How soon can I retire?
  • How should I be adjusting the investments in my company retirement plan as I approach retirement?
  • How should I handle my stock options and other stock based benefits to best utilize those benefits and minimize the tax bite?
  • What are the pros and cons of retiring early and taking a position elsewhere or doing contract work?


  • Which benefit option should I select for my pension plan?
  • When should I start my benefits?
  • How should I be handling my company stock retirement plan so I can have the right mix of investments for my retirement years?
  • How do I generate a regular monthly income from this pool of money?
  • How should I be handling my health insurance coverage as I transition into retirement?

Teachers, University and State Employees

Financial Planning for Retirement and Other Goals

  • In light of the recent pension plan changes, how will my future retirement plans be impacted?
  • Which pension benefit option should I be taking?
  • Should I be investing in a 403b plan, 457 plan or other Deferred Compensation plan?  If so, how should I be investing my funds?
  • Should I elect to take the early retirement buyout offer?

Small Business Owners

Financial Planning for Retirement and Other Goals

  • What type of retirement plan(s) should I be establishing for my business?
  • What sorts of risks should I be concerned with and what strategies should I be using to protect myself and my family?
  • How much is my business worth?
  • What sorts of strategies should I employ to assure the continuity of my business once I’m gone?