“if you fail to plan, you plan to fail” 

A retirement planner’s goal is simple: to provide sound and organized financial advice to individuals and families.  People can benefit from the services of a retirement planner in many ways.  Retirement planners provide a coordinated strategy for managing the immediate and long term needs of clients who might be too busy to stay informed on financial issues.  Retirement planners are able to compile the information provided by various financial specialists and determine the best course of action for a client.  Retirement planners can serve as a liaison between clients and other financial professionals.  There are four major components of retirement planning: investments; insurance planning; estate planning; and income tax planning.

“No portfolio guarantees success, but a plan never implemented is sure to fail.” Richard Ferri, CFA, All About Asset Allocation, 2010