Is your income burning out or building up?
I help Erie families and business owners connect the dots between Social Security, Pensions, and Private Wealth to build plans that work together.
Ninety-six percent of people get less than they should from Social Security, resulting in the average American household losing over $111,000 in lifetime benefits.
Why the SSA Office Can't Help You:
Social Security employees are trained to process claims and keep the system solvent. They are legally barred from giving personal advice. My job is to maximize it for you.
Using proprietary roadmap software—the most accurate in the industry—to solve for:
Spousal & Survivor Coordination
Maximizing benefits for age differences and widow(er) protection.
Young Kids & DAC
Unlocking benefits for Disabled Adult Children and minor dependents.
32-State Pension Expert
Specialized expertise in Public Sector and Teacher pension systems.
Social Security & Pensions
I maximize your fixed income (including 32-state pension expertise) first so your resting income is bulletproof.
401(k), IRA & Brokerage
Your growth engine. I coordinate distributions to prevent "market inflammation" and unnecessary tax drag.
Life (Term/IUL), LTC & Disability
Everyone is different; there is no one-way approach to which Life Insurance is best for you. I work with dozens of companies to compare each individual and find the right shield for your principal.
"I earned my B.S. in Exercise Physiology & Nutrition from NDSU and spent years as a Metabolic Specialist at Life Time Fitness."
During my time in health, I helped multiple Financial Advisors with their own fitness. Three of them were so impressed by my ability to look at the 'whole body system' rather than just giving a generic plan that they recruited me into finance. The financial body needs a metabolic specialist too.
I have spent years working with Teachers and the Public Sector, becoming an expert in 32 different State Pensions. I combine this systemic lens with RSSA analysis to see what others miss.
A $500,000 guaranteed annuity can produce similar income to a 60/40 or 50/50 portfolio, allowing your remaining $500,000 to remain in growth-focused investments that bounce back faster after downturns.
* $500k/$500k for simple math only. Research shows adding an annuity can increase income by up to 40% while reducing risk by 30%.
Studies on decoupling income from growth to achieve "True Liquidity":
"Withdrawing funds during a market downturn is like amputating your principal." We use the peer-reviewed tandem strategy of Dr. Wade Pfau:
The Interview
Maximizing Income with Whole Life Insurance →The Article
Offering Annuities & Whole Life in Tandem →The Study (WBC Whitepaper)
Cash Value as a Volatility Buffer Asset →
Maximize Net Pay.
Minimize Tax Liability.
Most businesses battle rising health costs by carrier shopping. The smarter move is structuring. By implementing a Section 125 strategy, you optimize payroll and benefits simultaneously.
"I don't work for big brokers; I work for my neighbors in Erie and Boulder."
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