How We Help You


Maximize your

Social Security


Your Principal


Your Assets

Help you Leave

A Legacy

Reduce your

LTC Risk


Your Taxes


We help you maximize your social security

Most people are aware of strategies to maximize your social security payment like waiting until you're 70 years to begin collecting. Unfortunately, what many people don't realize is that social security may be taxed if you have too much income. So it's not just how much you get, but also how much you get to keep. At Rose Advisory Group we look at both. Our strategies will have you delaying if that's the right decision but we'll also help you allocate your investments in a way that will reduce your social security taxes over the long term - so you have more money to live on! 

To learn more on how your social security is taxed with this short video.

We help you protect your principal

Future retirees face a real dilemma heading into retirement as these individuals only have a finite investing time horizon until they retire. Therefore, as opposed to studies discussing “long term investing” without defining what the “long term” actually is – it is “TIME” that we should be focusing on. The real question is... “How long do YOU have until retirement?” For many people it’s less than 15 - 20 years, which brings up a serious problem... There are periods in history, where returns over a 20-year period have been close to zero or even negative.

As an investor, you must have a well-thought-out investment plan to deal with periods of heightened financial market turmoil. Decisions to move in and out of an asset class must be made logically and unemotionally. Having a disciplined portfolio review process that considers how various assets should be allocated to suit one’s investment objectives, risk tolerance, and time horizon is the key to long-term success. Massive losses or drawdowns must be avoided at all costs.

Were obsessive about managing drawdowns.


We help you grow your assets

For years, average investors have been told a bit of a story. That it’s best to buy stocks and forget about them. Investors have come to know (because it’s so often reported), that over last 75 or 100 years, the average annual rate of return (S&P) has been about 10% and they have come to think that will always be the case. Investors were promised something that, in many cases never materialized - leaving a shortfall in their retirement savings.


We help you mitigate Long-Term-Care risk

Health care will likely be your biggest expense during the golden years. It’s obviously a tough number to nail down and one that will vary by person, but there are estimates out there. A 65-year-old, healthy couple can expect to spend $266,600 over the course of their retirement on Medicare premiums alone, per HealthView Services. It used to be that LTC insurance was the answer, but But given the recent sales numbers of long-term-care policies, that doesn’t seem likely. In 2000, Americans purchased 750,000 new stand-alone, traditional LTC policies. That number was a paltry 105,000 in 2015, per the American Association for Long-Term Care Insurance.

There are ways to mitigate long term care risk and we bring them to our clients.


We help you leave a legacy​

So it's not that important to everyone.  That I realize. I've had many people sit in my office and say, in a roundabout way, my children will get whatever I leave them.  And that's fine but understand, we (at Rose) are always looking for ways to maximize your portfolio so that you not only have enough for your life, but also leave some for future generations.

We help you minimize your taxes

Have you considered how much tax you will pay in retirement? At Rose Advisory Group, we are great believers that you don't necessarily have to pay a lot of tax in retirement. It all depends on where your assets are situated as you enter retirement.  The old paradigm is that you should load up on tax-deferred accounts.  That you should stuff your 401K or IRA as much as possible. The new paradigm is that there is an optimal amount of money to have these types of tax-deferred accounts and, at some point, it may be time to shift funds to be deployed in more tax efficient ways. We don't like paying more taxes than is necessary and neither should you!