Services
Experience a stress-free retirement journey with our client-focused approach.
We’re committed to more than just financial advice, but also educating and empowering you with a genuine level of care.
Our method
A collaborative approach to a tranquil retirement.
Discovery Session
First, we get to know each other. We take the time to understand your unique situation and retirement goals, answer questions, and help determine if it makes sense for us to work together.
In-Depth Review
Then we’ll run an analysis based on your current situation and what your dream retirement looks like so we can prepare custom strategies for you.
Your Action Plan
We’ll present you with a custom road map that helps keep you on track as you work toward your unique retirement goals.
Implementation and Guidance
Once you’re confident with the plan, we implement it, consistently track your financial progress, and adapt to new goals as your life evolves.
We have been with Tranquility Path Investment for several years now, and it’s one of the best decisions we’ve ever made.
– Linda
What We Do
Navigating the financial landscape with a trusted advisor by your side.
We help you consider investment options like IRAs and 401(k)s that can grow your money while enjoying tax benefits. Equity compensation, such as stock options and RSUs, can also be a valuable way to build wealth for the future and can be incorporated into your financial strategies. And we will work with you to help decide what you should do with your old 401(k). Your options can include keeping it with your old employer, rolling over the money into an IRA, rolling over into a new employer’s plan, or cashing out.
- Optimize returns on your portfolios by applying professional expertise to match your investment goals with your risk tolerance to help achieve your long term portfolio goals, whether that is a large purchase, the ability to retire, or your money lasting for the rest of your life.
- Gain access to a wide range of investment instruments, strategies, and risk management techniques that help investors mitigate potential losses and protect their portfolios against market volatility.
Work toward a worry-free retirement with a well-planned distribution strategy, where you don’t rely solely on investment income to sustain your lifestyle and allow your portfolio to grow. We’ll also help you plan for required minimum distributions (RMDs) to shield your retirement savings from potential tax penalties. By following a comprehensive distribution plan, we can help you enjoy peace of mind and the retirement you deserve.
- Develop a long-term financial strategy that provides a reliable stream of income throughout your retirement years. This can help you maintain your standard of living, cover your expenses, and avoid running out of money in your later years.
- Minimize your tax liability by optimizing the timing and distribution of your retirement assets. This may involve strategically withdrawing money from taxable and tax-advantaged accounts, managing required minimum distributions (RMDs), and taking advantage of tax-efficient investment strategies.
- Experience a sense of stability and peace of mind knowing you have a plan in place to cover your expenses and enjoy your retirement years. We help you develop a personalized plan that takes into account your unique financial situation, goals, and risk tolerance.
Financial planning is about growing your wealth, but insurance planning is about protecting it. Insurance planning is a cost-effective strategy to prepare for unexpected events such as the death of a loved one, the need for long-term care, or a disability. Depending on your personal situation, there may be strategies where insurance can help with retirement income, tax benefits, college planning, or estate planning.
- Defend against financial losses due to unexpected events such as accidents, illness, or disability.
- Get a financial safety net in place in the event of a loss that helps cover expenses like medical bills or final expenses including estate or inheritance taxes.
- Enjoy knowing you have a plan in place to help shield your family and your assets, so you can focus on your personal or professional goals without worrying about the potential financial consequences of unforeseen events.
We’ll help you understand your Social Security benefits and Medicare programs so you can pursue long-term financial stability and make informed healthcare decisions. Our professional guidance helps you develop a personalized plan that integrates your Social Security income with your overall financial picture and provides the information you need to make the best decisions regarding Medicare.
- Maximize your Social Security and Medicare benefits by developing strategies that take into account your unique financial situation, goals, and needs. This may involve analyzing the timing of claiming benefits, coordinating spousal benefits, or exploring different Medicare coverage options.
- Navigate the complexities of these programs to help you avoid costly mistakes such as missing deadlines, paying unnecessary penalties, or choosing suboptimal coverage options.
- Optimize your Social Security and Medicare benefits, allowing you to enjoy your retirement years without worrying about potential financial curveballs.
Estate and legacy planning involve the process of deciding how you want to distribute your wealth and assets among your family and loved ones after you pass away. We’ll help you determine the right questions to ask to best take care of your family and community.
- Enjoy a sense of stability and peace knowing your estate and legacy plans are in place and aligned with your financial goals and values. This helps you enjoy your retirement years and leave a positive impact on the world without worrying about the potential financial consequences of suboptimal decisions or unexpected events.
Frequently Answered Questions
Empowering you to take control of your financial future.
Can’t I just do all of this myself?
Attempting to manage your finances independently can often prove to be a setback rather than an advantage. The concepts involved may not be too difficult to understand, but the majority of people lack the necessary time, effort, expertise, and financial resources to undertake the task on their own.
I’m retiring, what should I do with my 401(k)?
We help you decide which option is best for your situation: leave your 401(k) with your current employer, roll over your 401(k) into an IRA, or cash out your 401(k).
How can I be sure I don’t outlive my money?
In addition to managing your investments, we help manage your entire financial life. We develop strategies that include your short-term and long-term goals and a general road map to help you navigate retirement. This can help you maintain your standard of living, cover your expenses, and avoid running out of money in your later years.
When should I apply for Social Security?
The answer to this question depends on your individual circumstances, such as your health, marital status, financial needs and retirement goals. We help you evaluate your options and choose a claiming strategy that best fits your situation.
Blog
Cut through the confusion with our financial insights.
Navigating Retirement: How Social Security Fits Into Your Financial Future
By Henry Zupko, MBA, CFP® As retirement approaches, you’re likely considering the Social Security piece of the puzzle. Amidst the wealth of information around retirement timelines, benefit utilization, and withdrawal strategies, it can be a
The Biggest Financial Mistakes We See Pre-Retirees Make
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ The years leading up to retirement are crucial for building the wealth to support your desired retirement life. As you get closer to retirement age, it’s important to
You’ve Inherited Money, Now What Should You Do?
Inheriting assets can bring about many mixed emotions, ranging from surprise and hope for the future to feeling overwhelmed with decisions that need to be made and sadness at the loss of your loved one.
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Schedule your meeting with a Tranquility Path advisor to get started.
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