Frequently Asked Questions

For Individuals


For most people, waiting until age 70 yields a bigger paycheck, but it depends on your personal situation. If you don’t need money immediately to make ends meet, it’s best to wait until you’re 70 before you start receiving Social Security payments. Even though you can start receiving Social Security payments as early as age 62, your payment amounts will increase the longer you wait. You’ll get your highest returns at age 70.
Americans nearing retirement age today don’t think of retirement in the same way as earlier generations have. Many factors, including advancements in health care and longer life expectancies, have turned retirement into an active lifestyle, one that is less about slowing down and more about changing course. According to the Schwab Center for Financial Research, if your savings are roughly 25 times larger than the amount you will need to withdraw from your retirement portfolio in your first year of retirement, you should be in good shape to retire.
Long-term care insurance can play a significant role in your family’s future well-being. If you’re concerned about the rising costs of long-term care and the potential financial impact on you and your family, you may want to consider long-term care insurance. Long-term care insurance generally covers the costs of care needed beyond 100 days, up to a specified number of days or benefit amount. Many policies allow care to be provide in the comfort of your own home or at an adult day care center, an assisted living facility, or a nursing home.

For Businesses


A boutique TPA makes a plan sponsor’s life easier through competent administration, efficient plan design, and administrative expertise. They advise and support the plan sponsor on all their duties to ensure the plan remains qualified and tax deferred.
Open architecture plans allow retirement plans to invest in funds from a wide variety of mutual fund families. In an open architecture fund inclusion is based on the individual merits of each fund.
An IPS is a written document that provides guidance for a retirement plans’ trustees and investment professionals regarding the selection and management of investment assets based on established and documented investment goals and objectives. When used properly, this document can limit liability, provide consistency, and set expectations for investment performance.

For Financial Professionals


A boutique TPA makes a plan sponsor’s life easier through competent administration, efficient plan design, and administrative expertise. They advise and support the plan sponsor on all their duties to ensure the plan remains qualified and tax deferred.
Open architecture plans allow retirement plans to invest in funds from a wide variety of mutual fund families. In an open architecture fund inclusion is based on the individual merits of each fund.
An IPS is a written document that provides guidance for a retirement plans’ trustees and investment professionals regarding the selection and management of investment assets based on established and documented investment goals and objectives. When used properly, this document can limit liability, provide consistency, and set expectations for investment performance.