A Portfolio Isn’t A Retirement Plan.
Many “advisors” today focus on products, not advice.
They’ll rush to invest your assets, mask their fees, and call it a day. Left unanswered are the important questions like:
- Am I on track for retirement?
- Is my 401(k) set up correctly?
- When should I elect to receive social security benefits?
- How will I fund long-term healthcare once I’m retired?
- What will my spending plan look like in retirement?
- Will I be able to contribute to my favorite organizations?
Whether you’re just starting a career or closing in on the finish line, PDS helps you build a financial plan and take the clear next step toward your preferred retirement goals.
A Real Retirement Plan Factors Many Considerations.
You’re doing the things you’ve been told to do—like maximizing contributions to your retirement accounts. But, do you really have a plan for your retirement?
Our approach uncovers the factors you need to consider, so you can navigate your retirement path with clarity and precision.
Goal Setting
Want to travel the world? Transfer the business to the next generation? Pay for long-term care? We listen to your goals and help develop a plan to get you there.
Tax Strategy
How will you reduce the taxes you pay in retirement? When should you withdraw Traditional vs. Roth IRAs? We’ll focus on a tax-efficient way to take income distributions.
Investment Strategy
Should you change your investment allocation? Consolidate old retirement plans? What level of risk is right for your goals? We seek to find the best way to structure, organize, and optimize investments.
Estate Planning
How should I structure my trust? What should I consider when setting beneficiary designations? We work to protect & maximize the legacy you’ve worked hard to build.
Retirement Spending Plan
How much can you spend annually in retirement? How long will your pension or retirement fund last? We build pragmatic spending plans to drive peace of mind in retirement.
Plan Progress Monitoring
A plan evolves over time. We monitor progress, adapt to markets, and continue to ensure your plan is continually working in your best interest.
Think you could benefit from a pragmatic approach to financial planning? Let’s have a conversation to see how we may be able to help.
Know Exactly What You Pay Your Financial Advisor—And Why.
When planning for your retirement, it’s important that you receive objective advice that’s truly in your best interest.
Unlike other advisors who mask their fees in seemingly marginal percentages, or make commission from the sale of products such as annuities and life insurance policies, we operate from a core belief: our primary focus is to enhance your wealth, not ours.
That’s true fiduciary responsibility.
Transparent Fee-Only Structure
We charge a clear fee for the time and resources it takes the do the planning work required.
Dollars, Not Percentages
We believe it’s unfair to pay more simply because you’re worth more. That’s what a percentage-based fee does. Our fixed-dollar fees reflect our work, not your net worth.
No Commissions
We don’t receive compensation for the sale of securities, insurance products, or other investments.
No Performance-Based Fees
Performance-based compensation creates an incentive for advisors to recommend riskier investments.
No Hidden Costs
We don’t pay referral fees to third-parties, participate in wrap-fee programs, or charge fees for work we don’t perform.
We Work For You
Some firms make money from referral fees. Not at PDS. The only person who pays us is you.
We Know How to Help— Regardless of Where You Are On The Journey.
Whether a young woman rising in her career or an executive closing in on the finish line, we can help you live the retirement lifestyle you want and leave the legacy you envision.
Get Organized
How well you start will play a huge role in how you finish. Let’s design the right savings plan, finding a balance between funding your lifestyle vs. your long-term goals.
Optimize Your Plan
You’ve accumulated a lot of assets over the years. Let’s unwind the inefficient ones and focus on those that can accelerate your accumulation of wealth.
Maximize Your Plan
It might not be as simple as social security and a 401(k). Devise a plan that incorporates the complexities of your circumstances.
It’s Your Life. Let’s Plan For It, Together.
Do you want objective financial advice to help you achieve your retirement goals? Do you want to feel confident that you have an actual plan, validated by credible financial planners, to help accomplish your specific goals? And do you want to have all that without paying any inflated costs or hidden fees?
We’d be happy to meet you. Send us a message and you’ll hear back within 1 business day.