You Don't Have to Change Advisors to Get Another Perspective
Retirement can involve too many interconnected decisions to evaluate one account at a time.
You may already have a financial advisor, investment portfolio, CPA or estate attorney. The question is whether all of those pieces are working together.
A second opinion can help you identify questions or opportunities that may deserve a closer look.
Consider a Second Opinion If You’re Asking:
- Will my savings last?
- Am I withdrawing money in the right order?
- Am I paying more tax than necessary?
- Should I consider Roth conversions?
- Is my investment portfolio appropriate for the income I need?
- When should I claim Social Security?
- How will Medicare affect my retirement budget?
- What happens financially if my spouse dies first?
- Does my estate plan work with my retirement and tax strategy?
- Am I missing something simply because no one is looking at the whole picture?
What We Review
Depending on your situation, a second-opinion review may consider:
Retirement income: Where your income will come from and how sustainable it may be.
Investments: Whether your portfolio is aligned with your goals, time horizon and income needs.
Taxes: Potential tax considerations associated with withdrawals, Roth conversions, RMDs and other decisions.
Social Security and Medicare: How these programs fit into the broader plan.
Protection: Risks that could disrupt the plan.
Estate and legacy planning: How your financial plan coordinates with your goals for your spouse, children and other beneficiaries.
The purpose isn’t to tell you that everything you’re doing is wrong. It’s to help you understand what you’re doing—and what questions may deserve further attention.
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