Few things are as important as planning for the rest of your life. It's not something you want to leave to chance and it's not something you should undertake on your own.
We are fiduciaries.
Fiduciaries are held to the highest ethical standards in the financial service industry. They are required to put your financial interests ahead of their own.
Why is this important to know? Not everyone who sells investment services and products is a fiduciary. Therefore, you have to be careful who you hire, because that person will influence or control the financial decisions that will impact when you retire, how you live during retirement and your financial security late in life.
Once you make the decision to retire, there is usually no going back. You need a retirement and investment plan that looks beyond the horizon, evaluating risks and providing solutions to help ensure you don't run out of money and enjoy retirement to its fullest.
Preparing for and living in retirement is very different than when you are working and adding to your savings.
This is what we call the distribution phase and it requires a higher level of expertise and experience than what most advisors and do-it-yourself investors have. Portfolio construction and management are critical as there aren't many do-overs. When we manage your investments we will utilize income planning tools and strategies to make the most tax efficient distributions that help make your savings last. Laura Mickels is a designated Retirement Income Certified Professional (RICP©) and can help you live out the retirement you dreamed about.
Most financial advisors outsource their financial plans and portfolio management.
At CochranMickels, we value working personally with you for both planning and investments. Our work is done by us and in-house. We believe this is the best way to make sure your interests are served.
Book a free one hour consultation with us and find out how we can help you with the retirement of your dreams.
Listen to us on the John Malone Show between 10 and 3 on the River!!