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Our team of financial advisors provide a modern, efficient, approach to families and individuals.








Every dollar counts when you’re planning to sustain an income that will last your lifetime.

Our focus when managing portfolios that support a retirement income is eliminating what we consider unnecessary fees and risks. We consider it wasteful to incur fees to time markets and we consider it risky to limit investing to concentrated positions or sectors.

Instead, we’ll maintain a precisely balanced portfolio to meet the specific needs of each client. As markets ebb and flow, we act with discipline and conviction in pursuit of each client’s short and long term goals.

Active Tax Management

Expenses detract from bottom-line performance results and restrict a portfolios long term growth potential. Taxes resulting from realizing gains and the payment of income and dividends are a prime source of portfolio expense. Our ongoing approach to portfolio management focuses on minimizing tax expenses:

  • Using inherently tax efficient investment vehicles
  • Planning to avoid realizing gains, particularly short-term
  • Taking advantage of market volatility to harvest losses

We help you identify and sustain a prudent level of spending through your retirement.

This involves analyzing your current level of assets, tolerance for risk and volatility, and the amount of any additional retirement income sources (such as social security and any pension income). We consider scenarios that reflect different potential savings rates, future spending levels, and possible retirement dates before making any recommendations. We use a sophisticated simulation program to stress test thousands of performance outcomes using historical risk and return assumptions. In doing so, we can help identify the probability that a given portfolio allocation and withdrawal rate will sustain the income necessary to last throughout your projected retirement.

Traveling the Glide Path

As you progresses through retirement your spending rate will change, your tolerance for risk will lessen, and the value of your portfolio will fluctuate. Through our Retirement Income Planning process, we’re able to identify the target value of your portfolio throughout your retirement. We refer to this as the ideal “glide path” that your retirement portfolio should travel through their retirement. As the portfolio value deviates from this path over time, there are several actions you can take to get yourself back on target. This is our mission in practice, empowering investors to make better informed decisions.

RIA provides Retirement Income Planning services, upon request, to clients that are individuals or couples as part of the firm’s overall portfolio management process. RIA does not charge separately for this service. The fee for this service is included in the fee related to RIA’s Investment Supervisory Services.


Donating to the causes you care about benefits the charities and can be deeply rewarding

Once you’re confident in your investment and retirement income plan, you may turn your focus to the protection of your assets during life and the eventual distribution of your property.

The likely component of your estate plan will include:

  • Financial Powers of Attorney for the continued protection of your assets if incapacitated
  • Medical Powers of Attorney and an Advanced Health Directive to direct someone to make medical decisions, including the extraordinary measures to prolong life, when you are unable to do so.
  • Last Will and Testament to communicate your final wishes pertaining to custody of minor or disabled children and bequests of property.
  • Revocable Living Trusts to determine who will get your property when you die. They are “revocable” because you can make changes to them and they are “living” because you make them during your life time.

Are you a Nonprofit or association?

Click below to learn more about RIA’s services for nonprofits and associations.