Plan Now. Retire Well.

The Generations RetireWell Process™

The Generations RetireWell Process™ sets us apart from any other financial planning firm. Our proprietary 4-step process is designed to maximize your retirement success.

STEP 1 – INITIAL CONSULTATION

First, we’ll take a close look at your current financial picture along with your retirement goals. This will allow us to make full and complete recommendations in the “RetireWell Action Plan ” which we’ll go over in the second meeting. 

STEP 2 – PREPARE RETIREWELL ACTION PLAN

We prepare your RetireWell Action Plan using our proprietary model designed to maximize your retirement success.

Here’s how Generations Makes Recommendations:

  1. Optimal Social Security Claiming Strategy. We’ll determine the optimal Social Security claiming strategy for your income needs.
  2. Income Gap. Your Income Gap is the difference between your expenses and your guaranteed sources of retirement income (e.g. Social Security & Pensions). To address your income gap, we only use GUARANTEED income sources.
  3. Investment Strategies. For dollars not allocated to guaranteed income, we provide diversified investment solutions to grow your money and keep up with inflation.
  4. Legal Documents (If Needed). Through our in-house legal affiliate, your legal documents (Wills, Trusts, etc) are seamlessly co-ordinated with your financial plan.

STEP 3 – REVIEW & IMPLEMENT

We review and implement your RetireWell Action Plan. You’ll gain a genuine understanding of how to reliably meet your retirement goals.

Every Plan Includes:

  1. Social Security Claiming Strategy. A detailed analysis of your Social Security options and which claiming strategy makes the most sense for you.
  2. Written Retirement Income Strategy. Using only GUARANTEED sources, it must:
    • Provide enough income for your lifestyle
    • Make sure you won’t run out of money
    • Maintain flexibility for special purchases, emergencies, gifts, etc. 
  3. Tax Efficient Withdrawal Strategy.  Your strategy will show how to minimize taxes on retirement income.

STEP 4 – MONITOR & ADJUST

We continuously monitor your plan and investments and help make adjustments if your needs change.

Our Team

David S. Corman, President

David Corman has been in the financial industry since 1985. For the last 30 years, his area of expertise has been in the area of retirement planning, and has serviced over 5,000 families. In 2011 he founded Generations Advisory Group. His firm is dedicated to all aspects of retirement planning, including Social Security maximization, income planning and investments. Generations also has an in-house affiliate law office. This model is truly a “one stop” approach to the retirement planning needs of our clients.

Matthew Corman, Investment Advisor Representative

Matthew Corman is an Investment Advisor Representative, and he assists clients with implementing and monitoring their investment portfolios. He holds the Series 7 and 66 investment licenses. Matthew is an avid golfer and Boston sports fan.

Generations Provides Guidance In These Areas

Social Security Optimization and Income Planning

Generations will help you gain a genuine understanding of your Social Security options. As a result, you will be able to integrate those benefits into a reliable & guaranteed lifetime of income. For many people, Social Security will simply not be enough. Therefore, we will develop and implement your tailored retirement income plan that takes into consideration all available sources of income.

Social Security Planning Strategies
Investment Strategies

Asset Management

Generations will help navigate you through the wide array of investment options. We understand that without proper guidance, constructing the appropriate portfolio can be daunting and confusing. We will always be mindful of the many factors that go into the decision-making process such as tax implications, asset diversification, and market volatility.

We monitor and regularly review our clients’ portfolios and will work with you to make adjustments if necessary.

Long-Term Care Planning

At $15-18,000+ per month, long-term care expenses can be one of the biggest hidden threats to your retirement plan. A pre-emptive plan can
help reduce this exposure.

Long-Term Care

Estate Planning/Legal Documents*

Through our affiliate law office, you can implement and review all necessary legal documents such as wills, trusts, powers of attorney, and healthcare 
proxies. Properly constructed, your legal documents will minimize taxes, 
expenses, and delays.

Resources

Document Checklist & Family Organizer Worksheet

Are you facing an income gap in retirement?

5 Big threats to your retirement

Blue Cross Partnership

Generations Advisory Group has been chosen as a Blue Cross Blue Shield of Massachusetts partner in offering our complete array of retirement planning services to their membership. In fact, Generations is the only firm in Massachusetts chosen by Blue Cross to offer these services. We are very proud of the fact they have placed their trust in us to help their members and employees.

Blue Cross members are encouraged to take advantage of our offerings including all aspects of the Generations RetireWell Process including estate and legacy planning services offered through our legal affiliate. Whether or not you are a Blue Cross member, we invite you to come in and see how we can help you Retire Well.

45 Braintree Hill Office Park, Suite 302 Braintree, MA 02184

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Are you facing an income gap in retirement?

Not all retirement expenses are created equally. As you prepare for retirement, it’s important to understand there are generally 2 kinds of retirement expenses.

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