Our Services

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We begin by developing a clear and comprehensive view of your current financial picture. This includes an in-depth review of:

• Lifestyle goals and financial objectives
   
• Income sources (current and projected)
   
• Employer benefits and insurance coverage
   
• Investment accounts and asset structure
   
• Key planning assumptions such as taxes and inflation
   

This foundational step allows us to understand where you are today and where you want to go, setting the stage for a personalized financial roadmap.

Next, we analyze your current investment portfolio and overall household allocation. Using insights from your Risk Tolerance Questionnaire via the software Nitrogen, we compare your existing allocation with a target model tailored to your comfort level and long-term goals.

We leverage Morningstar and Zack's Investment Research analytics to:

• Evaluate the strengths and weaknesses of your current holdings
   
• Identify potential gaps or overlaps in asset classes and sectors
   
• Discuss opportunities to reduce risk or enhance potential returns
   
• Ensure your portfolio remains diversified and aligned with your risk profile

Whether you’re decades away from retirement or just a few years out, we help you evaluate your progress toward financial independence. Using a combination of tools, including a eMoney and Income Lab, we test different scenarios to gauge the likelihood of success under varying market and spending conditions.

We also account for:

• Social Security timing and strategies
   
• Pension and annuity income
   
• Required minimum distributions (RMDs)
   
• Tax implications of retirement withdrawals
   
• Longevity and healthcare considerations
   

One of the most commonly overlooked retirement risks is the impact of income taxes on your withdrawals. We help you understand:

• The tax treatment of different types of accounts (traditional IRAs, Roth IRAs, brokerage accounts, etc.)
   
• The sequence of withdrawals to help minimize your overall tax burden
   
• Strategies like Roth conversions, tax-loss harvesting, and bracket management
   
• The interaction between your withdrawals and Medicare premiums or Social Security taxes
   

This allows you to keep more of what you’ve worked so hard to earn.

Many individuals have life insurance—but often without a clear strategy. We conduct a detailed survivor needs analysis to determine:

• If your current coverage is adequate
   
• What type of insurance best fits your goals (term, whole life, universal, etc.)
   
• How your family would be financially impacted in the event of an untimely death
   
• How to integrate life insurance into your broader estate or legacy planning
   

Our objective is to ensure that your loved ones are protected and your legacy preserved.

Few people plan adequately for the financial impact of long-term care, yet it’s one of the most significant potential retirement expenses. We help you:

• Understand the various long-term care options (insurance, self-funding, hybrid policies, etc.)
   
• Estimate potential future costs and their effect on your retirement plan
   
• Explore strategies for funding care without compromising your financial independence or burdening your family
   

We guide you through your choices so you can make informed decisions with peace of mind.

To provide truly comprehensive financial care, we maintain a network of trusted professionals and specialists. When appropriate, we’ll connect you with:

• Certified Public Accountants (CPAs) – For tax preparation, advanced planning, and coordination with your investment strategy
   
• Estate Planning Attorneys – For wills, trusts, powers of attorney, and overall legacy planning
   
• Medicare Specialists – To help you navigate Medicare enrollment, supplemental plans, and cost planning
   
• Pre-Medicare Health Insurance Specialists – For guidance on coverage options and costs before age 65
   
• Banking Partners – For lending solutions
   
• Cash Flow Management Software & Tools – To track spending, plan budgets, and stay aligned with your financial goals
   

We believe in collaboration, and we’re committed to ensuring you have the right team around you—so every aspect of your financial life is covered.

 At Power Play Financial, we’re not just advisors—we’re partners in your financial journey, working side by side with you and your team to create clarity, direction, and confidence for the future.