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As Certified Financial Planners we believe that everybody has a financial plan, either by design or by default. We work with our clients to develop a comprehensive plan by design that is disciplined and covers all aspects of their financial life. Whether you are a business owner, retiree, or corporate executive, our team will take the time to understand your unique situation and customize a plan that complements your life.
Our interactive financial planning tools allow us to work with you in person or remotely to review and update your plan. Planning to retire soon? Contemplating purchasing a new home? Evaluating the sale of your business? We will work with you to model the effects of your decisions and determine the best course of action for your financial future.
Financial Planning Document Checklist
Sample Financial Plan
We know what’s behind the money you’ve earned; years of hard work and a desire to enjoy your golden years. At The Bonheur Scott Traino Group, we understand that your retirement is a major piece of your financial picture. We work with our clients to develop a customized plan to preserve and efficiently distribute their assets throughout retirement.
We take a “Buckets of Money” approach to retirement planning which helps our clients visualize segmenting their assets into short, intermediate, and long term “buckets”. In these times of uncertainty, this type of approach may provide a peace of mind knowing that the buckets will be used to fund various phases of your retirement. Our clients always know where their next retirement “paycheck” is coming from while still allowing a portion of their assets the opportunity for growth. Also included in our retirement planning process is a detailed discussion around the most tax efficient way to spend and transfer assets during your retirement.
Retirement is a marathon, not a sprint. The Bonheur Scott Traino Group will work with you to put together a plan to try to help you reach the finish line.
Buckets of Money
Sample Retirement Income Plan
Who’s Helping You Write The Next Chapter In Your Life?
Tax laws are complex and subject to change. Morgan Stanley* LLC, its affiliates and Morgan Stanley*’s Financial Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley*. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are urged to consult their tax or legal advisors before establishing a retirement plan and to understand the tax, ERISA and related consequences of any investments made under such plan.