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1. Income Planning

Ensure your expenses can be paid month to month with reliability and predictability for the rest of your life.  

This includes:
  • Social Security Maximization
  • Income & Expense Analysis
  • Inflation Plan
  • Spousal Plan
  • Longevity Protection
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2. Investment Planning

Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.
This includes:
  • Assessing your Risk Tolerance
  • Adjusting your portfolio to reduce fees
  • Volatility Control
  • Evaluate ways to reduce risk while still accomplishing your goals
  • Comprehensive Institutional Money Management
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3. Tax Planning

Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities.

This includes:

  • Assessing the taxable nature of your current holdings

  • Stretch IRA planning

  • Strategizing ways to include tax-deferred or tax-free money in your plan 

  • Strategize which tax category to draw income from first to reduce tax burden

  • Leverage your qualified money to potentially leave tax-free dollars to your beneficiaries

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4. Health Care Planning

We will create a plan to help you protect yourself against rising healthcare costs with a minimum of expense.

This includes:

  • Looking at all aspects of Medicare, Parts A, B and D

  • Analyzing options for Long-Term Care Plan


5. Legacy Planning

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax efficient manner.  By working collaboratively with a qualified Estate Planning Attorney, our goal will be to help you to:


  • Maximize your estate and income planning opportunities

  • Protect any assets in trust and ensure they are distributed to your beneficiaries probate free

  • Protect your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death.

Fleming Financial Services offers full retirement planning solutions. A plan with us includes in depth analysis of your current financial life, as well as a plan designed specifically designed for you: based on your goals, your objectives, and your needs. It is your personal financial road map, and it covers important items that may affect your financial security. 

Your 5 Step Road Map will provide you with tax reduction strategies, it will stress test your current investments looking for unnecessary risks that you may not be aware of, provide simple to implement asset protection and tax reduction strategies, and most importantly provide you with our investment recommendations to help you get and keep your finances on track. 

We provide you clearly communicated, written guidance, and investment advice that is always in your best interest. We are Fiduciaries and we take the responsibility seriously.

No two plans are the same, and we will take the time to get to know you and understand exactly what you want. Every plan that we have in place is personalized specifically to you and your situation. Don't be fooled by advisers that have limited resources.  

Take a look at the services in each of the 5 Steps of the Retirement Road Map :

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