PROFESSIONAL RETIREMENT AND BUSINESS PLANNING SERVICES

6 Steps Retirement
6 Steps Retirement
  • 6 Steps Retirement
  • Business Owners Planning
  • Employer Retirement Plans
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    • 6 Steps Retirement
    • Business Owners Planning
    • Employer Retirement Plans
  • 6 Steps Retirement
  • Business Owners Planning
  • Employer Retirement Plans

Learn the 6 Steps to Making Your Retirement Vision a Retirement Reality

Learn the 6 Steps to Making Your Retirement Vision a Retirement RealityLearn the 6 Steps to Making Your Retirement Vision a Retirement RealityLearn the 6 Steps to Making Your Retirement Vision a Retirement Reality

A Logical and Sequential Process to Planning Your Retirement

Click here if you are the owner of a business or professional practice

781.248.7344

Learn the 6 Steps to Making Your Retirement Vision a Retirement Reality

Learn the 6 Steps to Making Your Retirement Vision a Retirement RealityLearn the 6 Steps to Making Your Retirement Vision a Retirement RealityLearn the 6 Steps to Making Your Retirement Vision a Retirement Reality

A Logical and Sequential Process to Planning Your Retirement

Click here if you are the owner of a business or professional practice

781.248.7344

Explore the 6 Steps

6 STEPS RETIREMENT

An exclusive retirement planning process developed by ProIncome.  It is designed to assist our clients to systematically organize, evaluate, and leverage all financial resources into a retirement income that is predictable, sufficient, and sustainable.

Step 1 ... Envision Your Retirement

The 1st step is to develop a vision for your retirement years. Make a list of all the things you’ve dreamed about doing and having during your life, but were too busy with work and family to have the time and/or money to make happen. You have spent a lifetime saving for retirement; now decide how you want to spend it. 


Retirement planning isn't just about the money, it's also about your bucket list!...

Step 2 ... Organize Finances

We will take an inventory of all your assets & income resources -- Social Security, pensions, retirement savings, investments, bank accounts, bonds, annuities, life insurance, real estate, etc. We will assemble your Balance Sheet so you will know your Net Worth and be able to track it over time.


This step is about knowing what you have..., where it is..., & how much it's all worth...

Step 3 ... Analyze Investments

The next step is to analyze your investments to assess performance against relevant benchmarks; know what fees you are paying and what value you are receiving in return; determine how your investments will be taxed at distribution & as part of your estate; know what your current asset allocation means relative to stock market risk. This information is critical as you identify and consider financial options and opportunities.

Step 4 ... Manage Cash Flow

Step 4 is about planning how much income you will need to cover retirement expenses – housing costs, basic living expenses, transportation, and healthcare. In addition to covering these essential retirement costs, you will want to establish a spending plan to cover discretionary expenses related to those things you want to do in retirement – your bucket list!

Step 5 ... Mitigate Retirement Risks

We will identify and review the risks that can disrupt or devastate your retirement plans & lifestyle

  • Stock market losses
  • Rising healthcare costs
  • Inflation
  • Long term care
  • Tax rate hikes
  • Unexpected events

We pinpoint strategies to mitigate these risks to protect your retirement plans & lifestyle.

Step 6 ... Plan Your Estate

The 6th and last step is about making certain that things happen the way you want and intend.


You must establish a plan so your money goes to your heirs and not to taxes or nursing homes.


You must also create Advanced Directives so your healthcare and end of life wishes are carried out as you desire.

Request a complimentary copy of our book -- "6 Steps to Retirement"

CLICK HERE TO GET YOUR COPY

About ProIncome

ProIncome is an independent financial services agency specializing in providing professional retirement & business planning.


In today’s world of increasingly complex financial questions and concerns, personal and business planning has taken on greater urgency.


The challenge most face is having a clear understanding of how to go about planning to achieve their personal and business objectives. Most financial service professionals fail to provide a clear definition of “the planning process”, leaving many without a real understanding of how to go about making the right decisions to achieve their desired lifestyle.


At ProIncome, we start with helping you understand the 2 distinct aspects of planning – first, protecting what you have today, and second, saving for your tomorrows. We will help you preserve what they have and develop wealth building strategies based on your lifestyle objectives.


Ask about “6 Steps Retirement” and how it will help you develop a retirement income that is predictable, sufficient, and sustainable!…


Give us a call at 781-248-7344 or click the scheduling link to set up a 30 minutes introduction meeting. We can meet by virtual or in-person appointment, and there is no cost or obligation. This will be an opportunity to learn more about our planning process and ask some questions.


Thank you!



Click here to schedule a time to talk

Michael Graff, ChFC® CTA® NSSA®

Mike is a veteran of more than 38 years in the financial services industry, beginning his career as a business broker and home mortgage professional. In 1986 he earned his life, accident, and health insurance license. He is an Investment Advisor Representative, holding a Series 65 Securities License, is a Chartered Financial Consultant, Chartered Tax Advisor, and National Social Security Advisor.


During his many years helping people with various mortgage, financial, business, and insurance services, Mike has witnessed changing and often turbulent economic times – from the high-interest rates of the early 1980s to the 2008 financial crisis. Mike has gained experience as a business owner, starting Equity One Mortgage, Inc in 1987 and growing it to a 20+ employee company with offices in MA and RI, later selling it to a NJ based lender in 1995. He has also been active as a real estate investor. His experiences working with people over these many years and varying financial disciplines, makes him uniquely qualified to help his clients navigate today’s uncertain economic environment. Taking into account his diversity of personal and professional experiences, his approach to financial services is simple – “Financial success and security is built on a foundation of planning that starts with understanding and protecting what you have today, so you can build for what you want tomorrow.”


Operating as an independent advisor and fiduciary, Mike is free to act solely in the best interests of his clients. He dedicates much time to understanding his clients’ financial goals and concerns, and has developed an organized and sequential planning process called “6 Steps Retirement” that is designed to both manage and preserve their assets, as well as leverage these assets to help them achieve a retirement

cash flow that is predictable, sufficient, and sustainable.


Mike earned a Bachelor of Arts in Political Science in 1984 from the University of Massachusetts, Amherst, graduating with Cum Laude honors, and has been married 37 years to his wife, Lisa. They reside in Easton, MA where they raised their 3 children. 


He is the author of the book “6 Steps to Retirement” and has been active in his community of Easton, MA, including serving as Chair of the Easton Recycling Committee, board member of Foundation for Excellence in Education in Easton, a youth baseball and basketball coach, and founder and past president of the Sunday Morning Softball League.


“We work throughout our lives to attain a certain lifestyle. Some of what we earn along the way goes to establish that lifestyle. The rest we save to maintain that lifestyle throughout our retirement years. As a retirement and business income specialist, I work to help my clients protect and maintain the lifestyle they have spent a lifetime building.”


– Michael Graff

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ProIncome

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and ProIncome are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. 


Privacy Policy

ProIncome operates www.proincomeplan.com, which is a retirement and financial information website.

This is to inform website visitors regarding our policies with the collection, use, and disclosure of personal information if anyone decides to use our services.

If you choose to use our services, you agree to the collection and use of information in relation to this policy.  The personal information we collect is used for providing and improving our services.  We will not use or share your information with anyone except as described in this policy.

What information do we collect from you and about you?

To serve our client needs, ProIncome collects information to satisfy certain legal and regulatory requirements, while other information is collected so that we can service your account effectively. Examples of the information that we collect includes:

• Information from your account application and other forms, such as name, address, Social Security number, telephone number, employment information, income, net worth, investment experience, and other information to service your account effectively. We may also collect information from consumer reporting agencies.

• Information about your financial transactions, including securities purchased and sold, fund transfers, account balances, and other account activities.

To whom do we disclose your information?

ProIncome does not sell your personal financial information to anyone. However, we do disclose your personal information to third parties or outside companies that help us process your transactions or service your account. One such company is the clearing firm which processes your transactions and acts as the account custodian. We may also provide information to outside service providers that help administer your accounts. Any outside company or third party provider must limit their use of your information to the purpose for which it was provided.

ProIncome may also provide your personal information when permitted or required by law or regulation. Examples include providing information in response to a subpoena or court order, to cooperate with regulators, governmental authorities or law enforcement authorities, or in response to a request from a consumer reporting agency.

Outside of these circumstances, we will not provide your personal information to third parties unless you have specifically asked us to do so.

What do we do to protect your personal information?

We restrict access of your personal financial information to personnel who require that information to service your business. All employees are trained regarding the policies and procedures encompassed by this privacy policy. We maintain physical, electronic and procedural safeguards to guard your personal information. This privacy policy applies to all of our current and former clients. If in the future, this privacy policy needs to change for any reason, we will provide you with written notification of the change, allowing you the opportunity to opt-out.


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