Financial Planning

We believe thoughtful retirement planning is of the utmost importance.

We think it is so important that we do not charge our clients for an in-depth financial plan.

Financial Planning - Sunrise Advisors


A well-conceived plan will provide financial clarity and enable your long-term success. Our team of Certified Financial Planners (CFP®), Chartered Retirement Planning Counselors (CRPC®), attorneys, and advisors works to develop your plan. Drawing upon our expertise and using the industry’s best software, we can integrate Social Security benefits, pension choices, investment management, tax planning, estate planning and other considerations into your holistic plan.

It is our goal to assist you in the development, implementation, and maintenance of your plan. We suggest periodic reviews to ensure your plan remains up-to-date and to make adjustments to optimize your strategies.



Investment Management: We provide active management or advice on your investments, including allocation recommendations inside your company’s retirement plan (ex: 401k).

Cash-Flow Analysis, Savings, & Budgeting: We look into where your money is spent and where it should go (savings vs. debt payment, after-tax vs. pre-tax accounts, etc.).

Retirement & Distribution Planning: We determine the most appropriate, tax-efficient way to use your accumulated assets to fund your retirement lifestyle.

Social Security Optimization: We analyze and calculate the optimal social security strategy for you, including looking at spousal benefits.

Pension Maximization: We compare lump sum vs. monthly payment decisions from company pensions.

Stock Options / Executive Benefits: We assess supplemental benefits afforded to senior or key executives.

College Savings: We explore the ideal way for you to save for college for a child or grandchild.

Tax Planning: We consider the affects of all of the above on your tax situation and help navigate tax-savings strategies.

Estate Planning: We assist in the development and implementation of a legacy plan (wills, trusts, powers of attorney, health care directives, charitable giving, etc.).

Health Care, Medicare, & Transitional Living: We build retirement planning scenarios around the changing healthcare landscape and potential living transitions (remaining in own home, assisted living, or nursing home).

Insurance-Needs Analysis: While we don’t sell insurance products, we help evaluate our clients’ coverage and risk management needs.