Our job is to help you make the best decision possible for your family and to meet your needs, not just to sell you something that may or may not be suitable. We do this through a process of asking questions, finding out what type of problem we are trying to solve and then identify money that will solve that problem. Helping our clients to know what their expenses are is the first part of putting together your Retirement Profile. We will look at your income needs, social security, pensions, investments and other assets to see if you will have enough money to retire comfortably. That is our goal. We want to know how much liquidity you feel comfortable with, in other words how much cash you want on hand for emergencies. We will look at your risk tolerances, which is the amount of risk you are willing to take with your investable assets. Each investment product has a specific place and a specific purpose that can fit properly into your retirement planning but without a complete review of your personal situation, risk tolerance, income needs, tax situation, long-term care needs, and estate and charitable desires, no one can or should have an opinion on whether a specific product is right for You.