The impact of a divorce is often emotionally and financially profound. Separating assets
can leave you feeling insecure about your financial future and emotionally drained.
Because divorce can happen at any stage of life, we start by helping you put your financial picture back together. We then set up a plan to help you get back on track to meet your goals. 

Distribution Options for Retirement Assets Settled in Divorce

Money After Divorce – 4 Steps to Rebuild Your Financial House

The loss of a spouse is a very tragic event in someone’s life. Not only are you coping with many emotions but at the same time may need to make critical financial decisions. We can help you simplify the process of getting your finances in order during this very difficult time. We will work with you and your other financial professionals such as attorneys, insurance agents and other advisors to help you feel more secure about your financial future. 

You have been saving for retirement and are 5-10 years away from retiring. You are concerned about your ability to retire and may not be sure about how much you can live on. You may also have questions about how to best protect your family should something happen to you, or you may just want peace of mind knowing that you are financially on target for retirement.
We help you get peace of mind by reviewing your current savings and investments, and helping you develop a picture of what your retirement can look like. We will also address estate planning, insurance needs, and risk planning as needed.

You have worked hard during your career years and are now either retired or getting ready to retire in 1-4 years. You are planning to enjoy the free time or may be getting ready to embark on a new stage of your life that may include a second career. You would like to consolidate all your accounts, rollover any 401K or pension plan and have a clear view of your assets so they can be easily managed. You want to feel secure that you do not run out of money during your retirement years, but you can also enjoy this time to pursue your interests.
We help you get peace of mind by assessing your spending needs, developing an income strategy that will complement fixed income streams like pensions and social security and create a portfolio for you that will provide both income and growth.

Azzendo Wealth Advisors charges a fixed fee that ranges from $5,000.00 to $7,500.00, for broad based planning services.

We offer broad based financial planning including tax planning, charitable gifting strategies, estate and retirement planning and preparation for life transitions including family wealth planning. Azzendo Wealth Advisors strives to achieve a client’s long-term financial goals by implementing a financial planning process that includes the following elements: 

• Financial goals review and an assessment of current savings plan to achieve those goals;                                                                       
• Cash flow review of pre-and post-retirement spending projections;                            
• Social Security income timing strategies in coordination with other pension programs, if applicable;
• Retirement age stress testing for alternative target dates;
• Portfolio stress testing under different market scenarios to determine the impact on your plan;
• Financial projections using Monte Carlo Simulations under different plan assumptions to determine the viability of accomplishing your financial objectives;
• Investment strategy review including asset allocation targets, expected rates of return, portfolio expenses, portfolio selection, and
• A rebalancing plan, if needed. 

Add-On Elements to Financial Plan 

If your financial plan requires additional elements not included in the elements listed above, they may be added for an additional fee. The fee will be driven by the complexity of the “add on” and time spent by the Advisor. The Advisor’s hourly rate is $450.  The “add on” elements for the financial plan can include but are not limited to:

• Education planning for children;
• Personal insurance needs (limited to life insurance, disability insurance and/or long-term care insurance);
• Annuity policy reviews and recommendations;

 Financial plans are based on your financial situation and the financial information you provide to our firm. If your financial situation, goals, objectives, or needs change, you must notify us promptly. 

You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either through our investment advisory services or by using the advisory/brokerage firm of your choice. 

Let Us Help You

We want to be there for you every step of the way to help you navigate the often complex life changes that will affect your financial future. After all, life is not static so why have a one time set it and forget financial plan.