Education
Frequently Asked Questions
Clear answers to the questions we hear most often.
How does the first meeting work?
Your Initial Discovery Meeting is a relaxed conversation, by phone, video or in person. We'll ask about your goals, concerns and current situation, and you can ask us anything. There's no cost and no obligation.
What should I bring to my first meeting?
If you have them handy, recent statements for retirement and investment accounts, your Social Security statement, pension information, your most recent tax return and any insurance policies. Don't worry if you don't have everything; we can gather details later.
Can I do my review virtually?
Yes. Many clients meet with us by phone or video. You'll get the same thorough review from the comfort of home.
What is the 30-Day Review?
About a month after your plan is put in place, we meet again to confirm accounts are set up as intended, review paperwork and answer any new questions.
What is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to Medicare Part B and Part D premiums when your income is above certain thresholds. Because it's based on income from two years earlier, planning withdrawals and conversions ahead of time may help you manage it.
Should I consider a Roth conversion?
A Roth conversion moves money from a tax-deferred account to a Roth account, paying tax now in exchange for potential tax-free withdrawals later. Whether it fits depends on your current and expected tax brackets, timeline, IRMAA and estate goals. We help you evaluate the trade-offs.
When should I claim Social Security?
You can claim as early as 62 or delay up to 70, and the timing affects your monthly benefit for life. Your health, other income, marital status and survivor needs all matter. We help you compare scenarios before you decide.
How can long-term care be funded?
Common options include traditional long-term care insurance, hybrid life or annuity policies with care benefits, and self-funding from savings. Medicare generally covers only limited skilled care. We help you explore what may fit your situation.
Who are your clients?
Most of our clients are retirees or near-retirees who want a clear income plan, thoughtful tax strategies and help planning their legacy.
Where are your offices?
We have offices in Littleton, Colorado and Oak Brook, Illinois, and we work with many clients virtually.
Still have a question? Schedule your review.