Foucs Area 1: Multigenerational Planning

You want to ensure that your lifetime efforts are strategically positioned. Now in the wealth distribution phase, seniors who find themselves with substantial net worth holding in liquid assets, such as real estate and closely-held businesses, will find that estate taxes can significantly deplete their estate.

Let us help you implement a plan to maintain and pass on your legacy for generations to come.

Foucs Area 2: Pre-Retirees & Retirement Readiness

These individuals and couples are actively navigating the most critical phase of wealth transition and are typically in need of:

Structured Financial Plans: Individuals who need a detailed, objective roadmap and ongoing guidance to transition from the accumulation phase to the distribution phase of retirement.
Income Viability Testing: Clients seeking a realistic statistical analysis to confirm the viability of their assets supporting their desired retirement lifestyle and longevity.

Integrated Tax & Wealth Strategy: Those who can benefit from Phil Proulx's unique ability as an Enrolled Agent (EA) to strategically integrate tax planning (including RMDs, Roth conversions, and estate tax considerations) into their long-term withdrawal strategies.

Focus Area 3: Career Transitions & Assets Rollovers

These clients often require specific, time-sensitive fiduciary guidance:

• 401(k) Rollover Management: Individuals who have recently separated from their employer and require professional advice to retain strategic control over assets held within a company retirement plan (e.g., assessing rollover vs. lump-sum options and performing due diligence on fee structures).

Foundational Planning for Growth: Millennials and younger professionals who are establishing a strong financial foundation, need guidance on optimized savings strategies, and are committed to making sound, early financial decisions.