What’s Going On

The commonalities between planning a mountain expedition and planning one’s financial future seem endless: both find an efficient path to the goal, navigate with redundant (back-up) systems, use specific tools to mitigate large risks, minimize the “drag” of non-essential components, and advance while constantly reassessing changing conditions. Arranging an income stream to bridge a gap [...]

Misinformation pertaining to the Social Security Program and its future abounds today, leading many recipients to make poor claiming decisions which may result in a more challenging Retirement Income Plan, higher retirement income taxation, and a smaller legacy left to heirs. For many Americans, Social Security is one of the most valuable assets they will [...]

I remember realizing shortly after we moved into our North Kingstown home that Tarzan himself once lived here. While lighting one of the enormous bonfires of those early days a combination of dense air, too much gasoline poured onto the pile too soon, and the spark itself resulted in 1,000 times the explosion required to [...]

Avoid these 5 most common spousal beneficiary mistakes.

Dear Clients and Prospective Clients Life changes quickly: marriage, divorce, a new child or grandchild, or the passing of a loved one. Amid those transitions, it’s easy to forget one critical detail: updating your beneficiary forms. Keeping them current ensures your assets are passed according to your wishes, avoiding confusion or delays for your loved [...]

Dear Clients and Prospective Clients, As retirement approaches, one of the biggest questions is: Will my savings last? Between inflation, longer life spans, and market uncertainty, that’s a valid concern. A Qualified Longevity Annuity Contract (QLAC) can help you create a reliable stream of income that lasts a lifetime, shielding a portion of your retirement [...]