Frequently Asked Questions

A good time to reach out is when you have a decision coming up and could use another set of eyes. Maybe retirement is getting closer, you’ve changed jobs, or you and your spouse want to make sure you’re working toward the same goals. You can start with the question that’s been on your mind.

We’ll start by getting to know you. What’s going well? What’s weighing on you? What would you like the next few years to look like? Once we understand what brought you in, we can talk about where we might be able to help and what working together could look like.

Start with the questions you’d like to talk through. If you have a specific account or decision in mind, a recent statement or benefits summary can help us understand what you’re looking at. If you’re unsure what would be helpful, just ask us when you reach out.

When we talk about working together, we’ll walk you through the cost, how it’s charged, and what’s included. We want you to have those details before you decide whether it’s a good fit.

We can help you look at what retirement might cost and where your income could come from. We’ll talk through your expected spending, savings, Social Security, and any pension income. From there, we can look at how retiring on your target date compares with working a little longer or easing into retirement.

Yes. Once you’re retired, the questions tend to shift from how much to save to how to use what you’ve saved. We can talk through what you’re spending, how much income you need from your accounts, and how a change like helping family or taking on a bigger expense might affect your plans.

We can help you compare the options available to you. Those might include leaving it where it is, moving it into a new employer’s plan if that plan accepts it, or rolling it into an IRA. We’ll talk through things like fees, investment choices, and account rules so you understand what would change before you make a decision.

We start with what the money is for and when you’ll need it. Money you expect to use in the next few years has a different job from money you’re setting aside for later in retirement. We’ll also talk about how comfortable you are with market swings and explain how any recommendation fits your goals.

Life rarely follows the plan exactly. A job change, a new retirement date, or a change in family responsibilities can give us a reason to revisit it. When we talk about working together, we’ll explain what ongoing reviews look like and how to reach us when something changes.

Yes, many investment accounts can be transferred. We’ll start by looking at what you own and how your accounts are set up. We’ll explain which investments can move as they are, which may need to be sold first, and any fees or potential tax implications to consider. If you decide to move forward, we’ll walk you through the paperwork and help you get the transfer started.