Retirement Planning

By Invitation Only…

A Special Dinner Event For Those At Or Near Retirement.

Wealth Building Strategies

For Retirement

We cordially invite you to join us at an educational and

entertaining dinner where you’ll learn answers to many

important questions faced by those in or near retirement.


Join us as we discuss:


GUEST SPEAKER: Breton Williams, Founder, CEO of First Wealth Financial Group, LLP As an investment advisor with more than 30 years experience, Breton specializes in teaching pre and post retirees beneficial strategies to be incorporated into any investment or retirement planning program.

Location: Tuscany Room at Rastrelli’s

Even Date: March 9, 2017

Seating is limited and a complimentary dinner will be served.

Guests, with reservations, are welcome.



Designed to bring understanding of the three phases of retirement planning; Accumulation, Distribution and Preservation. An introduction to the four pillars to a Successful Retirement helps bring clarity for employees about how to transition to retirement and draw an income off the assets they have accumulated.


There are three financial phases in life. The First is the Accumulation Phase. This is where we work hard and do our best to set aside money for the future. Upgrading our home, helping with college costs, but ultimately, to get ourselves in a position to retire. The Second is the Distribution Phase. This phase generally starts when we reach the Retirement milestone. Our goal at that point is to enjoy our retirement and feel great about the income we are receiving off our savings. We still want to see our values rise each year to help keep pace with inflation. The Third is the Preservation Phase. This phase usually happens around age 70 to 75 when we wake up on new years day and realize that we are probably going to be OK financially and now our emphasis shifts to wanting to make sure that what we worked hard for ends up in our kids hands at our passing or some of it with our church or a charity, we definitely don’t want any of it to go to the IRS.

What we see over and over is that as people pull together different investments, policies and accounts that are designed exclusively to maximize the results in that Financial Phase, with no regard for the problems they cause in the next Phase. In many cases there are drawbacks, at a minimum, a complete lack of efficiency and therefore a loss of return or control until it is fixed to move forward to the next Phase. In our office we have a deep understanding of the advantages and drawbacks of decisions today and how they impact the next phase and it is appropriate to correctly allocate to be able to maximize each Phase while we are in it and be able to roll into the next Phase with efficiency and effectiveness. We teach how our clients to use one Phase to build on the next Phase.