I am often asked the question “What do you do?”
I thought I would take some time to answer that question. Simply put, I help people who are going through a transition in their lives, whether that means that they have just married, just had a baby, changed jobs, started a new business, retired, divorced or going through any number of life events that have prompted a change in their every day lives. I problem-solve with my clients, come up with answers to their life challenges and get the benefit of long lasting relationships with many of my clients.
I've been in business for over 28 years and have had the opportunity to get to know many of my clients. I'm happy to start each day with a fresh resolve to assist my clients.
A typical day for me involves researching solutions for my clients and meeting with them to discuss options. No two situations are the same. Sometimes I receive calls from attorneys who report on the death of a client, which is always sad, as I have known many of my clients for years. I am always glad that I can be of some comfort to the family in handling the details of their claim so that they can have peace of mind that their financial affairs are in order.
As the week goes on, I become involved in many different situations. Clients often have quite a few questions when they come in and are happy to leave with a plan of action.
Some examples of questions:
I'm retiring and downsizing and worried about healthcare planning options
How do I keep from outliving my retirement benefits?
I want to start thinking about college funds for my children even though they are still in elementary school
I'm starting to think about how to sell my business and am looking for some options
I changed jobs and I want to talk about my 401k rollover. [1]
Although I often hear similar questions from clients, I answer each one carefully and in respect to the individual situation that is presented. I am prepared to answer the difficult questions that arise. For a complete financial analysis I have available financial professionals that can assist you with other areas of your financial strategy.
I hope this gives you an idea of the kinds of conversations that I have on an ongoing basis. Please contact me for details about your particular financial situation. I would be pleased to offer you the same detailed explanations and assistance that I have offered clients for over 28 years. I look forward to hearing from you soon.
[1] Before rolling over the proceeds of your retirement plan to an Individual Retirement Account (IRA) or annuity, consider whether you would benefit from other possible options such as leaving the funds in your existing plan or transferring them into a new employer's plan. You should consider the specific terms and rules that relate to each option including: the available investment options, applicable fees and expenses, the services offered, the withdrawal options, the potential flexibility around taking IRS required minimum distributions from the option, tax consequences of withdrawals and of removing shares of employer stock from your plan, possible protection from creditors and legal judgments and your unique situation. Neither New York Life Insurance Company nor its agents provide tax or legal advice. Consult your own tax or legal advisors regarding your particular situation.