Retirement Planning

The primary investing goal for most investors. Urban will help you develop a plan to reach your retirement goals. Aligning your investments with your expected needs in retirement, clients know where they are in relation to their goals.

Custodians

Urban works with several firms to custody your investments. Depending on your individual situation, you may have accounts with Charles Schwab, Fidelity, or TD Ameritrade.

Taxable Accounts

Taxable accounts (Joint, Individual, Trusts, etc.) can be invested in a similar fashion to your other retirement accounts, or differently if for a different investing goal.

Legacy

Planning to leave some assets to your heirs, or a charitable organization of your choice? Urban will work with your estate attorney to implement your plan in accordance to your wishes.

Retirement Accounts

Whether it is an IRA, Roth IRA, or Rollover, Urban will design the appropriate portfolio for you to reach your retirement goals.

College Savings

Often the second most important investing goal. Urban will help you maximize college savings for children, grandchildren or others important to you.

Investments

Urban provides his clients with risk-appropriate, globally diversified portfolios designed to help them reach their goals. Urban primarily uses the mutual funds provided by Dimensional Funds Advisors (DFA), and American Funds for his client portfolios.

Keeping Track of Your Plan

Urban periodically provides clients with a performance report, in addition to a retirement readiness report that helps monitor your progress as you approach retirement.

Employer Sponsored Plans

Are you contributing to a 401k, SEP IRA, SIMPLE IRA or other plan through your employer? For many, this is often the largest investment account, and arguably the most important in determining retirement success. Make sure your employer sponsored plan account is working for you.

Frequently Asked Questions

What does fee-only advisor mean?

As a fee-only advisor, I am compensated only by my clients for my advisory services. I charge a percentage based on the investment accounts that I manage for you. I do not sell any investment products, and do not earn commissions, therefore, the investment vehicles I recommend are those I believe are in your best interests to help you reach your goals.

Do you require a minimum amount of investable assets to work with clients?

My recommended minimum is $100,000 of investable assets in all investment accounts. Exceptions may be made for clients with less than $100,000 on a case by case basis. Call me to discuss your specific situation.

How often do we meet?

I meet with my clients periodically to review their investment goals. Meetings may occur annually, semi-annually, or even quarterly depending upon each client’s needs and circumstances. Of course, should a significant life change occur, clients are encouraged to contact me immediately. Meetings may take place in person, over the phone, or even video conference.

I am already retired. Can you help me, too?

Of course. I work with clients throughout their working lives, and through retirement. If you are already retired, I would be pleased to speak with you, and determine if we can improve your income during retirement.