Gary W. Lavallee, ChFC
Discover What You Should Know About Getting Ready To Retire And "Remaining"
Retired ... With Less Stress!
What We Provide: Our Step-By-Step Blueprint For Walking You Through The Annual Steps Considered For a Comfortable Stress-Relieved Retirement.
Longevity - One of Life's Biggest Unknowns ...
How long can you reasonably expect to live? That’s a key retirement planning question. And it raises questions about how to add protected lifetime income to your portfolio so you don’t outlive your money.
Do you need to plan for a 20-year retirement, a 30-year retirement, or longer? If you’re married, will you outlive your spouse? The exact answers to these tough questions are unknowable. But you can do a lot better than just "guesstimating" with our help.
Our firm helps retirees with both educational and product implementation services by integrating all facets of the retirement puzzle:
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Business Succession Planning - At the heart of every business owner's net worth is their business. In fact, their perceived business value, on average, is calculated to be worth upwards of 80% of the owner's total individual assets. Unfortunately, for most, their Wealth Management Advisors only concentrate on personal wealth planning. We believe in full integration between working on accelerating their business valuation as well as the owner's personal wealth.
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Retirement Income Planning - educating you with the methods to help you receive the most consistent income throughout your life – no matter how long you may live.
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Longevity Planning - to help prevent you from running out of money down the road by stress-testing your portfolio to make sure it can last through whatever negative fluctuations the stock market is capable of throwing at you over the next 30-years.
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Medicare Insurance Options - maximizing benefit choices while reducing unexpected healthcare and prescription drug costs.
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Social Security Election Analysis – helps you to not only be made aware of the largest income you may be entitled to receive, but more importantly, the most tax-efficient overall income you may receive throughout you and your spouse’s life.
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Legacy Planning for the Next Generation(‘s) - leaving large amounts of tax-free* wealth to your kids and/or grandchildren, or perhaps a charity, without jeopardizing your own quality of retirement.
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Advisor Integration – Working with your CPA, attorney, and other advisors to make sure everyone is on the same page and working in a team approach to maximize your retirement journey.
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Comprehensive Report – we provide a comprehensive report to each of our clients showing a detailed analysis and solution of the above-mentioned retirement puzzle.
We have over 35 years of practical knowledge and experience. We provide the very finest analytical tools available to analyze and monitor all facets of our client’s financial lives.
Please contact us: 413-224-2488,if you would like to discuss your situation, or schedule a meeting to see if we are a right fit for you.
This information does not constitute advice in the area of legal or tax advice. It is your responsibility to seek guidance and advice from your own legal and tax counsel. Estate planning is done in conjunction with your estate planning attorney, tax attorney and/or CPA.* Life Insurance loans and death benefit proceeds are currently taxed as tax-free assets. Tax-law is always subject to change. Guarantees are based on the claims-paying ability of the insurer.