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Do you have a plan?Whether you are preparing to retire or you are already retired, a holistic wealth plan can help you make the most of your retirement.
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What We Offer
Retirement Planning
All the wishes in the world will not help you achieve financial serenity if you do not know how prepared you really are for retirement. It is never too late to plan. We can help you to determine if you are financially able to retire and what steps you may want to take to make the most of your retirement.
Retirement Income Planning
If you are currently retired, we can help you analyze your financial portfolio and your income to make sure you stay within your recommended budget. People are living longer in retirement than when your parents retired. We will review your budget and your cash flow to help minimize the risk of outliving your retirement savings.
Insurance and Risk Management
Medicare be difficult to navigate. We can help you to evaluate your options to find what works best for your budget and your needs. Do you need long-term care insurance to cover extended illnesses? A knowledgeable professional can make it easier for you to confidently decide what is best for you.
Social Security offers many options about when and how to take distributions. There are sometimes tax consequences to consider with Social Security income. When you and your spouse decide to take distributions will effect both the monthly amounts you receive and the overall amount you receive during your lifetime. We can help evaluate your options so you can be confident in your distribution plans.
Legacy Planning
What do you want to leave as your legacy? Many people choose to support loved ones. You can decide to provide education or other funding for the people who are important to you. You can also choose to support a charitable organization by leaving a portion of your estate to support their mission. Some people find that they would prefer to support their favorite organizations while they are living. Your legacy is uniquely yours and we can help you manage the financial aspect of your legacy. If you desire, we can work with your attorney to support your estate plans.
All the wishes in the world will not help you achieve financial serenity if you do not know how prepared you really are for retirement. It is never too late to plan. We can help you to determine if you are financially able to retire and what steps you may want to take to make the most of your retirement.
Retirement Income Planning
If you are currently retired, we can help you analyze your financial portfolio and your income to make sure you stay within your recommended budget. People are living longer in retirement than when your parents retired. We will review your budget and your cash flow to help minimize the risk of outliving your retirement savings.
Insurance and Risk Management
Medicare be difficult to navigate. We can help you to evaluate your options to find what works best for your budget and your needs. Do you need long-term care insurance to cover extended illnesses? A knowledgeable professional can make it easier for you to confidently decide what is best for you.
Social Security offers many options about when and how to take distributions. There are sometimes tax consequences to consider with Social Security income. When you and your spouse decide to take distributions will effect both the monthly amounts you receive and the overall amount you receive during your lifetime. We can help evaluate your options so you can be confident in your distribution plans.
Legacy Planning
What do you want to leave as your legacy? Many people choose to support loved ones. You can decide to provide education or other funding for the people who are important to you. You can also choose to support a charitable organization by leaving a portion of your estate to support their mission. Some people find that they would prefer to support their favorite organizations while they are living. Your legacy is uniquely yours and we can help you manage the financial aspect of your legacy. If you desire, we can work with your attorney to support your estate plans.
Why Ridgeline Financial Management
We are a small firm that has the capacity and the service standards to prioritize your individual needs. We work with select individuals and families in the retirement services sector so we can take the time we need to answer your questions and create a wealth management or retirement plan that is uniquely yours.