When is the last time you have given your retirement strategy a closer look?

401(k), IRA, SEP, SIMPLE, what does it all mean? Have you maxed out your contributions? Does make sense to max out your contributions? Is the maximum contribution going to provide you with the quality of retirement that you want?

When is the last time you used a future value calculator to see what your retirement account might look like in 10, 15, 20 years? In evaluating your future needs, did you take into account inflation and Income or capital gains taxes? Do you really think that you will retire in a lower tax bracket? How about life events? Did you build a model that took into account a long term care event? How about a full disability that cuts off your gravy-train income? How about an estate with no life insurance? I don't know what the years ahead of me will look like no more than the next person. What I do know is that I want my financial strategy to work under all foreseeable circumstances. I want it to work today and in the future. In most cases a single strategy of having all of your eggs in the retirement basket underperforms. Now add in being in the wrong retirement plan for a long period of time and you have compounded the problem. We live in a society that dispenses financial information like candy in a candy store. Yet with all of this information the statistics show that most people are in a financial struggle.

I do believe that there are three options in life that we choose when making decisions about our money, One-do nothing, two-do what everyone else is doing (herd) and then there is the Third Option. The Third option is the best option because it helps you understand the truth about money. It helps you understand how to become successful with your finances by understanding the hierarchal order of money...protection, savings and growth. The Third option helps you understand your cash flow deployment and how to structure it so that you achieve maximum efficiency that produces maximum benefits. The Third Option teaches you about rate of return in the asset and liability column. The Third Option helps you create and structure a financial strategy that helps protect against market risk, inflation risk, legislative risk and enormous tax liabilities. Wouldn't you like to know when it makes sense to form an Irrevocable Life Insurance Trust? How about a Charitable Remainder Trust? How about knowing when to exercise your gifting strategy to help mitigate estate taxes?

The Third Option is about you having a team of advisors that are ALL on the same page when it comes to your personal estate, your business and medical practice. Think of what you can do now!