Are You Ready for the Retirement Red Zone?
The five years before and the five years after you retire are the most critical for your financial future. A significant market downturn during this 'Red Zone' can have a mathematical impact that is difficult to recover from.
Part of protecting that journey is identifying the "health event" wildcard. In Lake Havasu, a sudden move to assisted living or the need for long-term care can cost $4,000 to $7,000+ per month—expenses Medicare simply does not cover. We tie your health strategy to your financial one, ensuring a single medical event doesn't deplete the savings you've worked decades to accumulate.
The Income Gap Analysis
We look at your Social Security, pensions, and savings to see if there is a gap between what you have and what you need to live comfortably in Lake Havasu City.
Risk Assessment
Most people are carrying more risk than they realize. We help you identify "at-risk" assets and discuss how to move them into "safe-money" buckets.
Inflation Protection
Retirement is a 20- to 30-year journey. We discuss strategies to help your purchasing power keep up with the rising cost of living.
The Health Event Wildcard
We audit your plan for the "what ifs" of aging. By planning for the costs of home health or assisted living now, we protect your assets from being liquidated to pay for care later.
* This page is educational and focuses on general planning concepts, not specific products.