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Surprise! You’ve Got Money! RE: Retirement 18 Years Worth of Days Bridging the Confidence Gap


Westward Financial Strategies and Lifestages Financial Planning are combining into one full-service financial firm as a part of our commitment to helping you, our clients, and your referred friends and family define and progress toward your financial goals. We know that some days you want to retire "yesterday".  Other days you feel like you could work for as long as your health will allow.  The truth is none of us knows when we will actually retire because there are elements we simply can't control.  For the elements we CAN control, we utilize our Principals' combined 40 years of planning experience and a rules-based system to craft an investment plan to help you invest more fearlessly.  For the elements we can't control, we design an insurance plan that makes sense to help you keep the ground you've gained toward your financial goals.  For the unknowns where we cannot predict or insure, we build contingencies into your plans to help you have the flexibility to handle life as it unfolds.

One thing our clients have taught us over the years is that we all have different ideas of what success looks like.  It takes more than numbers to feel confident about where you are -- It takes a plan.  It also means working with your other professionals -- your estate planning attorney, your tax advisor, and others, to make sure that you're making smart moves to minimize taxes and to ensure an orderly administration of your medical and financial affairs in the case of a disability or your death.  We work with your other advisors to help you take the steps to get your life in order and communicate it to those who you've decided need to know.  Think of it as continuity planning for your life.  How will your business run, your household run, who will care for your pets when you can't? (you must name someone!) 

We offer a wide range of financial products and services to make sure that anywhere you can help it, your life's work is not left to chance.  You've used your talent, your time, and invested emotionally in the life you've built.  We help you make the most of the fruits of your life by showing you how to grow your finances and protect those you love who you want to benefit from your life's work. It is our goal that through working with us, you gain the confidence that comes from knowing you can deliver on the important promises you make to yourself and those who count on you, day in and day out.

We hope you will find this site useful and will make it one of your resource centers.  We choose to grow by referral so that our time is spent bringing the high level of service you have come to expect from us.  If you know someone who can benefit from our level of service, please tell us about them so that we can reach out to them to see if we are the right match for their needs.

We serve individuals and business owners in all areas of financial planning, including:


Investment Management*
Full financial planning
Business buy-sell planning
Goal-based financial planning (college, retirement, business succession)
Retirement Strategies 
Estate Planning & Administration

Life, Disability and Long-Term Care Insurance and Annuity Products

Alternative Investments
1031 programs

Helpful Content

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The Power of Compound Interest

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Don’t overlook the need for renter’s insurance if you rent your home.

Creative Ways to Motivate Your Employees

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Five creative (and inexpensive) ideas for motivating your employees.

 

What Is a Stretch IRA?

If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations.

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Choices for Your 401(k) at a Former Employer

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Social Security: The $64,000 Question

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What Is My Current Net Worth?

Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.

Federal Income Tax

Use this calculator to estimate your income tax liability along with average and marginal tax rates.

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Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

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Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

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What to Do When You Lose Your Wallet

Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.

Emerging Market Opportunities

What are your options for investing in emerging markets?

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Pundits say a lot of things about the markets. Let's see if you can keep up.

Jane Bond: Infiltrating the Market

Agent Jane Bond is on the case, cracking the code on bonds.

Events on Wall Street

Can successful investors predict changes in the markets? Some can but others miss the market’s signals.

RE: Retirement

How does your ideal retirement differ from reality, and what can we do to better align the two?

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