As my practice has grown, I have narrowed down the clients that I am most suited for. This has come from experience and from a genuine recognition of my unique skillsets and interests.

I have three ideal client descriptions and am very up-front with whether someone will fit well working with me or if I think they would be a better fit for another advisor in my network.

At the end of the day, I want you to have the best experience that can be tailored to your needs. If I can’t provide that, then I will not try to! I have a network of other skilled advisors who can serve the clients that I can’t. Directly or indirectly, I will help you get the best!

The self-employed client is a unique one because they have so many other needs such as:

• How to structure their business and income
• How to manage fluctuations in income
• Finding affordable health insurance and benefits options
• Optimizing taxes to account for the additional taxes paid by self-employed individuals.

Being self-employed myself, I have had to learn all of these aspects to planning and have put them into practice personally. I am able to truly help the self-employed client be as efficient as possible with their money and to help ensure a wonderful retirement while also building a meaningful business.

For clients ranging from 20-55, the goal is often accumulation. While we may start the process of looking at retirement distribution options and things like Long-term Care (LTC) insurance or estate conservation, the primary goal for an accumulator centers around accumulating wealth. For these clients, the focus areas are usually:

• Family planning (Kids, college, home upgrades, etc)
• Debt management
• Investment structuring (How much to invest and where to put it)
• Budgeting
• Basic insurance planning

I am well-equipped to serve this niche as well as I am also in this phase of my life. I've had to set all of these things up for my family to prosper and have made many mistakes along the way. Experience plays a role here in helping younger families design the best accumulation plan!

For clients 10 years or less out from retirement or who are already retired, the name of the game is optimizing income.

Did you know there could be a variance of up to 50% in retirement income from social security and your investments simply based off how you structure them?

There are many ways to optimize income for retirees, and the primary things we look at for them are:

• Social Security optimization (When to draw)
• Improving distribution potential from portfolios
• Product selection (Advisory account, annuity, etc)
• LTC protection
• Securing income streams
• Managing Required Minimum Distributions, or RMDs

While some retirees simply want portfolio management, we are able to help with every facet of your retirement strategy. Some of the most memorable and impactful client experiences have happened with this type of client!

While I am not in this bucket, this is one of my key focus areas as I have done the majority of my research on this group of clients. I've been to summits and expos, I've heard the best of the best in retirement income planning speak and have read their books, whitepapers and articles. I've also designed many of these plans successfully for my own clients.