Retirement Income Planning
Individual and Small Business Retirement Plans
Social Security Maximization and Benefit Coordination
Estate and Charitable Gift Planning
Fee-Based Planning and Investment Management Services
Asset Protection / Trust Planning
Federal Employee Benefits and Retirement Planning
As a Retirement Income Certified Professional (RICP™)*, much of what we do for our clients revolves around planning and coordinating their varied sources of retirement income. We strive for the most tax-efficient income stream possible, while ensuring sufficient cash flow for the clients’ expenses and lifestyle requirements.
As a Chartered Retirement Plans Specialist™ (CRPS), we focus on creating, implementing and maintaining retirement plans for self-employed individuals and small businesses, including IRAs, SEP plans, defined benefit plans, and more.
Social Security, like most things federal, is an enormously complicated, bewildering beast. It is very hard to figure out, and most people (with or without professional help) have a very hard time making the best choices and leave piles of money on the table with proper planning. We would love to do a Social Security review for you and your family, free of charge. When you request a Social Security review, we will assure you of two things:
As a Chartered Advisor in Philanthropy™ (CAP), we help individuals and families support those causes that are important to them while doing so in ways designed to provide maximum income and tax benefits.
We provide investment management services and financial planning including help with wealth preservation and transfer, college funding strategies, added protection against financial disasters, IRA rollover and more.
We have years of experience in helping our clients protect what they’ve worked so hard to build and keep their wealth through the generations.
As a Chartered Federal Employee Benefits Consultant, Clay helps federal employee clients through the entire retirement process with unique insights to understanding their federal benefits from a financial planning perspective. Very few retirement professionals have experience with both.
ChFEBC is the only industry recognized designation that focuses on benefits education to active and retired Federal, State, and Municipal employees on the importance of understanding and guiding them in the coordination of their benefits and planning objectives.
Click Here to request a proposal or review for any of these services.
*RICP® is an advanced designation appropriate for individuals focusing on the retirement income planning field. It is designed for advanced financial service professionals who have a general financial planning credential (e.g. ChFC®, CLU®, CFP®) or who specifically focus their practice on retirement income planning.