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Every client is different and unique with their goals and their expectations. No cookie cutter solutions here. Each individual or couples thoughts and expectations will be heard and met.

• Cashing Out Instead of Rolling Over

• Missing the 60-Day Rollover Deadline

• Forgetting About the 20% Mandatory Tax Withholding

• Leaving Old 401(k) Accounts Behind

• Ignoring Investment Fees

• Failing to Review Beneficiary Designations

• Making a Rollover Without a Plan

• Rolling Over Employer Stock Without Understanding the Tax Consequences

• Overlooking Required Minimum Distribution (RMD) Rules

• Not Comparing All Rollover Options

• Consolidating Accounts Without Reviewing Investment Choices

• Rolling Over After a Job Change Without Professional Guidance

• Forgetting to Update Asset Allocation After the Rollover

• Assuming Every Rollover Is Tax-Free

• Waiting Too Long to Make a Rollover Decision

Common Mistakes People Make

• Waiting too long to enroll.

• Assuming Medicare is free.

• Choosing a plan based only on the monthly premium.

• Not checking if their doctors are in-network.

• Ignoring prescription drug coverage because they don't currently take medications.

• Failing to compare plans during Annual Enrollment.

• Believing Medicare covers long-term nursing home care.

Identifying, assessing and eliminating potential financial risks associated with an individual's life, particularly the risk of premature death, disability or long term care needs. Learn how to position yourself against this risk.