What we do
Retirement Planning Services
Combining Retirement & Tax Planning to
Optimize your Success
Cardinal is a fiduciary planning firm which puts clients first in all aspects of the planning process. Additionally, Cardinal provides value through sound advice, listening to clients and being a good corporate citizen.
Marks ideal audience includes pre-retirees and those already in retirement who need guidance.
Our Services at a Glance
Retirement Planning and Income Strategies
Our Service Includes:
- As retirement specialists, we can help you formulate a retirement plan that creates a reliable income stream, reduces taxes over your retirement horizon and help you reach your goals without the risk of running out of money.
- We analyze a variety of retirement income strategies specifically designed around your goals and needs. Our approach is designed to keep your tax burden low, reduce investment risk, and preserve your nest egg.
- We review all your income sources including Social Security, pensions, rental income and more. To implement the income strategy, we can work with your existing investment manager or design a suitable portfolio.
- We track your progress, adjust as needed and communicate with you regularly.
Investment Planning
Our Service Includes:
- We can help you design or manage an investment portfolio to help you to create a reliable income stream, reduce risk, and improve returns.
- Our design includes choosing the appropriate asset classes for your risk profile, owning tax-efficient investments, reducing cost by using low-cost funds and ETF’s.
- Review where the assets are held to provide tax efficiency. We will also work with your existing investment manager to coordinate your retirement planning and investment planning.
Tax Planning
Our Service Includes:
- We are tax planning specialists having served businesses and individual taxpayers for more than 3 decades. Keeping your tax bill as low as possible during retirement can increase your cash flow or preserve more of your nest egg.
- Several strategies for reducing taxes could include Roth conversions, timing income streams, asset location, and charitable giving.
- Annual tax return review to make sure we have a complete picture of your tax situation.
Let's Collaborate to Solidify your
Personalized Retirement Plan
There is never a bad time to start or review your retirement plan. If you are close to retiring or already retired, we can help you with any questions or concerns you might have regarding how to begin or how to adjust your retirement plan.
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Social Security Timing
Our Service Includes: