How much of your retirement will you share with the government?  You have probably saved for your golden years for decades and have taken advantage of every incentive that your employer and Uncle Sam have given you to maximize the pile of cash that will last for the rest of your life.  Now how do you keep as much as possible to travel the world or start crossing off the items on your bucket list.  The amount that you have when you retire isn’t as important as how much is available for you to spend in retirement.  Our approach is to always make sure that the amount left for you to visit the grandkids or to see the part of the world where your ancestors were raised is maximized.  

Tax-free assets, tax-deferred accounts, social security, Medicare, taxable capital gains and estate taxes are all factors in this type of planning and our approach includes all of these factors and then is agile enough to make changes when tax law or other conditions dictate.