Outliving your money is a real problem, one you can solve by judiciously investing in a balanced retirement portfolio and by rebalancing that portfolio along the way.

Financial planning is more than a set of tactics. Financial planning is a process that determines how you can best meet your life goals through the proper management of your financial affairs.

The key to effective financial planning is the ability to take into account all relevant aspects of your financial situation (“the big picture”), and to identify and analyze the interrelationships among sometimes conflicting objectives. This unique integration of knowledge and skills across a broad range of topics distinguishes professional financial planning from other related financial advice. This requires the skills of a competent and ethical expert.