Retirement Resource Management

Helping Maximize Retirement Potential

Retirement Resource Management Services

Social Security

Why is Social Security education important?

• Would you like to have more money in retirement?

• How about leaving more monthly income for your spouse?

• Have you been divorced or widowed?

• Does fear keep you from making a great decision about retirement?

There is a false narrative out there that Social Security will not be there when people need it. Education and analysis is critical to making good decisions that will impact your retirement. We are experts and the bottom line is with the combination of education and analysis you will have all the facts to make a great decision about your retirement income. As our way of giving back, we have on demand videos to help you make the best choices about Social Security.

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Long Term Care

Long Term Care is one of the most overlooked elements of retirement. There is a perception that it is unaffordable and that if you don’t use it you lose it. Fortunately, in the past couple of years there have been many new products introduced that allow you to use insurance for multiple purposes. So, in essence you are simply relocating assets on a balance sheet. If you need the benefits for Long-Term Care it is there, if you need it for income it is there, and if you die there is a death benefit that is paid to your heirs. The key is knowing when and how to purchase. We consult on issues like these to first help you understand what is available, why it is critical to your retirement, and how to best pay for the coverage. Like most insurance products no one product is best for everyone. By remaining independent I can provide advice on multiple levels to help match needs with the options available. There is probably no single decision in retirement that can have as great an impact on you and your spouse’s retirement than a long-term care event. Let’s discuss this before it becomes an issue. To learn more about the program contact us directly.

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Consulting Services

Do you ever just have questions? Or would you like a second unbiased opinion of your unique situation. I have specialized in retirement planning for over 24 years and have helped individual and small businesses evaluate everything from mortgages, to cashflow, to insurance needs, to investment analysis, and just about any other situation that they would like another independent opinion on their unique situation. I do not provide cookie cutter plans that push products, but rather checklists of items that need attention and direction of where to best meet their needs. I have not managed money since 2008 and have no plans to do so in the future and can either work with your existing financial relationship or recommend some new ones if needed. Retirement is too important to not fully comprehend all your options and all too often products take priority over planning.

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"For most of my professional life, I have worked in retirement planning. I have been a financial advisor, had my own Registered Investment Advisory firm and created a Retirement Education company..."


Read more about Steve and Retirement Resource Management!

Case Studies

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Eat Your Greeens

In my younger days, I worked at a summer camp. Those summers were some of the best times of my life! The comradery between the staffs and the chance to serve as a role model for the kids made every day a great one.  However, one of the challenges of being a role model came at lunchtime when they served greens or cabbage. Over the years I have eaten both and while some have tasted better than others at camp they were consistently bad. Of course to set a good example the staff was encouraged to always eat whatever was served at each meal. If you did not your kids would quickly realize what was going on and before you could stop them the whole mess hall would be standing and chanting, “ Eat your greens, Steve, eat your greens.”  This would continue until they brought out a huge bowl of greens and you would shove your face in them, take a big bite and come out with a smile. You would then choke down the mouthful, raise your arms in victory and take your seat. While this may seem gross it was intended to show the importance of eating a balanced diet with a positive attitude.  But what I learned was to check the menu each day, conveniently missing the meal that included the offensive greens and usually ended up enjoying lunch at my favorite local restaurant.

By this time you are probably wondering how this story can be related to financial planning or healthcare? Actually, it has a lot to do with both. Today healthcare costs are consuming a large portion of most families budgets. People feel the pressure to choose a plan from an insurance company even though the choices do not seem all that appealing. You know you need the coverage but as you look at the options they all appear unappetizing. But a choice must be made in order to cover medical costs and avoid paying the government mandated penalty. So would you avoid this “meal” if you could?  Absolutely you would, just like I found ways to be off camp’s grounds during the meals with greens!

With healthcare, you have an alternative known as faith-based health sharing ministries. These ministries provide different levels of healthcare; allowing you to choose what works best for your budget and your needs. You are not forced to buy a plan that you don’t want or need; one that “tastes bad” and has a negative impact on your budget. And because these plans are exempt from the rules of the Affordable Care Act (ACA) you do not have to pay penalties and can customize your plan to meet your needs. The bottom line is you do not have to be pressured to buy an ACA plan. You can choose to go off camp and eat at Chick Fil A instead. Heck, you can afford to take your whole family out to a really nice restaurant with the money you save!