What We Do:
Our focus is working with retirees, and we specialize in working with retirees who are approaching or going through the retirement transition.
We help or clients answer questions such as:
Do you have enough money saved for retirement?
Should you take your company's pension offer or lump sum offer?
When should you claim Social Security Benefits?
How do you actually transition into retirement?
How can you lower your tax bill in retirement?
How do you invest your retirement money so that you don't run out?
How do you create an income stream in retirement that is similar to when you were working?
Should you purchase life insurance in retirement?
Our mission statement is simple- In a partnership with each client, we create a personalized retirement plan and spending strategy to ensure your money will last as long as you want it to. We do this with Reliability, Integrity, Compassion, and Honesty.
At 80/20 Financial we believe:
That real wealth, an income one doesn’t outlive, can only be achieved through a program of lifetime investing in quality equities. i.e. stocks and mutual funds
That mainstream equities historically create lifetime retirement income which rises through time and rises significantly higher than consumer inflation.
That the achievement of real wealth in equities is not driven by investment “performance” but by investor behavior. We believe in making a lifetime plan and sticking to it and ignoring both bull market fads and bear market panic.
That, in practice, no one will ever be able to resist the great behavioral traps of equity investing without a high quality adviser.
That the highest, best and most valuable function of an advisor is guiding clients past The Big Mistake.