Now that you have an Integrated Financial Plan, you may want help in carrying it out. Our Integrated Financial Advisory provides support in a number of ways:

• Ongoing consulting: financial issues arise as you go about living your life. For example, you may consider refinancing your mortgage, or paying down some of the principle. You have to decide about retirement plan or college saving plan contributions. We are here to help you think these issues through.
• Annual Progress Review: Every year, we will assess your progress relative to your Integrated Financial Plan. We’ll check on whether your savings are growing as the plan projects, and whether you are spending too much or you could actually afford to spend more. We’ll monitor your progress on your key action items, and help you address any that have slipped.
• Retirement Income Planning: As you approach retirement, we’ll work with you as you decide for how much of your retirement income target you want minimal risk, and for how much you are willing to accept more risk in the hope of higher return. Then, we’ll advise on how to modify your investment portfolio to prepare it for the transition from asset accumulation to retirement income provision.
• Retirement Income Management: Once you are in retirement, we manage your portfolio to produce income along the lines indicated by your plan. We may recommend that you annuitize some of your assets, or that you use a TIPS ladder to increase your confidence that the purchasing power you want will actually be available.