It wasn’t so long ago that retirement meant a pension and a gold watch, but today’s world looks much different than it did for generations past. The burden of retirement falls more heavily on the shoulders of individual Americans than it ever has before, but you don’t have to carry it alone.

New Generation Retirement® is a holistic approach to retirement planning. It consists of a five-step retirement planning system that we will work through together. Through this planning process, you’ll be confident that you have given careful consideration to asset allocation and risk, income planning, asset maximization, legacy planning and tax strategies.

The Five Steps

1. Selecting a Financial Services Professional
   Step One helps you understand the role of a financial services professional and introduces New Generation Retirement Planning.
2. Fact and Feeling Finding
   Step Two encompasses thought-provoking questions about your financial well-being and how you feel about it. It begins with the Color of Money Risk Analysis and incorporates the elements of discovery and client feedback.
3. Strategy
   Step Three arms you with a deep understanding of your goals and objectives, as we craft and present a holistic plan based on your goals and objectives. Your takeaway from this step will be a series of insightful reports always accessible to you through your Generational Vault account.
4. Solutions and Executing
   If there are parts of your plan that include creating new accounts or purchasing new financial products, Step Four lays out a clear, documented process to do so. This step is characterized by efficiency using forward-thinking technology such as electronically-generated and pre-populated forms with e-signature capabilities.
5. Ongoing Relationship
   Our work together isn’t over when we have completed the retirement planning process and product selection. Step Five addresses how we continuously work toward your long-term goals and objectives and help you monitor your financial progress.When you work with our company, each step is recorded in Generational Vault so you can be confident knowing that you have given careful consideration to every detail of your retirement plan.

Why choose Fletcher House Financial

The New Generation Retirement System is based on three hallmarks of successful retirement planning: fiduciary, transparency and technology.

• Fiduciary
  Providing you with a fiduciary level of service means we are legally bound to always do the right thing for you and your family by only offering strategies that serve your best interest. Our commitment to you as a fiduciary is also an assurance to act with transparency throughout our relationship.
• Transparency
  Our commitment to transparency ensures that each step of our work together is recorded and that every document and report is easily accessible to you. This is visible through a strong foundation of technology.
• Technology
  The right technology can make managing and organizing your retirement an easier process. When you partner with our company, you receive access to Generational Vault – a secure online portal that allows you to easily organize, manage and access your financial life. Generational Vault serves as the vehicle to document and record our commitment to act as a fiduciary and be transparent throughout our relationship.

George Yankoupe does not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor. In the event that you do not have your own attorney or tax professional we will partner with local CPA firms to provide tax services.

Assembling your financial plan should start by creating a solid foundation that will support your finances and provide stability as you continue to build. Our company’s mission is to provide local families and businesses with innovative financial strategies, solutions and planning.

As an investment advisor representative, I provide advice about securities to clients for a fee. Investment advisor representatives receive compensation for providing advice regarding various investment products. Investment advisor representatives are fiduciaries with an affirmative duty of ‘utmost good faith’ and full and fair disclosure of all material fact, as well as an affirmative obligation to employ reasonable care to avoid misleading clients.

As an investment advisor representative I strive to:

• Put your interests first
• Understand your specific financial situation
• Offer straightforward advice that reflects your long-term goals

We offer our prospective clients an initial complimentary risk assessment where we provide third-party analysis of their current investments, personalized income projections and ideas. We look forward to our initial visit and finding out how we can help you get one step closer to your financial goals.

Perhaps one of the most important steps in planning your retirement is determining your current and future tax liability and developing strategies that can help minimize your taxes in retirement. Taxes can have a large impact on the amount of wealth you will be able to transfer to loved ones. We will help ensure that your retirement plan is tailored to utilize both tax advantaged and taxable products to help maximize your wealth for generations to come.

Through our strategic alliance with Case Central, LLC, we can help optimize your tax strategy to improve your retirement plan. Case Central is a team led by CERTIFIED FINANCIAL PLANNERSTM (CFPs^®) that partners with local certified public accountants (CPAs) and Chartered Financial Analysts^® (CFAs) to provide you with comprehensive financial reports and analysis.

Case Central offers tax strategy reports that help you minimize your tax burden and build a solid foundation of tax reduction strategies, which can result in years of tax savings. Whether you are focused on converting your individual retirement account (IRA) to a Roth IRA or looking for ways to lower your tax bill, we believe Case Central can present you with solutions that will benefit your retirement planning needs and goals.

We can also work in concert with your personal tax professional to provide tax reduction strategies. If you are seeking advanced tax planning options, our firm also has access to unaffiliated third-party tax firms to help ensure the best possible support for all your retirement needs.

Through these services, we strive to implement a sound and comprehensive strategy that minimizes year-to-year tax liabilities and provides the opportunity to maintain your current standard of living throughout retirement.

George Yankoupe does not provide tax and/or legal advice, but will work with your attorney or independent tax or legal advisor. In the event that you do not have your own attorney or tax professional we will partner with local CPA firms to provide tax services.

At Fletcher House Financial, we believe no two investors are alike. In order to help each client meet their financial goals, we use a personalized approach to investing. Our advice and recommendations are tailored to our clients’ investment goals, desired return objectives, risk tolerance, time horizon and income needs. Our investment strategies are designed based on your investment goals.

For even the most financially literate individual, planning for retirement can be a very challenging undertaking. The days of relying solely on your pension and Social Security benefit to satisfy your income needs during retirement are long gone. In today’s economic climate, historically low interest rates coupled with high market volatility rates have made planning for retirement difficult and more important than ever.

One of the most difficult aspects of retirement planning is the mental shift it requires. Prior to retirement, your financial life was dictated by an earning and saving paradigm. Once you retire, however, you will no longer be earning a paycheck you can save which means you will need to generate an income through other sources.

A crucial first step toward helping ensure adequate funding throughout your retirement is understanding that having retirement savings is not the same thing as having retirement income. Saving for retirement is what you have spent most of your working life doing, but now is the time to begin using those savings to create the retirement income you’ll need. This can represent both an incredible investment and mental challenge and is a process made much easier by enlisting the services of a financial professional.

Our firm can help you define your retirement goals and evaluate your current financial state. In addition, we can help you design a retirement plan capable of generating, in a reliable and sustainable manner, the income you need.

You’ve spent your life working hard for your money and now is the time to let us help you make it work hard for you!

George Yankoupe, Fletcher House Financial and Gradient Securities, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions.

Your Social Security retirement benefit represents a lifetime’s worth of savings, time, and work, and is most likely your oldest and largest retirement account. Although most Americans are familiar with the basics of Social Security, very few are able to figure out – on their own – exactly the best way to file so they can get the most out of all they have put in.

At Fletcher House Financial, we help our clients understand their Social Security benefits and educate them on how they can maximize their benefits. Delaying filing for Social Security can potentially increase your benefit amount each year you wait.*

There is a lot to know about Social Security, and the more you know, the better decisions you can make, helping to bring you just that much closer to maximizing your benefit. We will help you get the most you can out of your benefit, so you can take one step closer towards the comfortable and happy retirement you have worked so hard for!

George Yankoupe, Fletcher House Financial and Gradient Securities, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency. This content is for informational purposes only and should not be used to make any financial decisions.

*https://www.ssa.gov/pubs/EN-05-10147.pdf

Proper legacy planning and preservation is a cornerstone of any successful retirement plan and helps ensure that your wishes will be respected and your loved ones are taken care of. Legacy Planning is a multifaceted process that can be used for a variety of purposes, from helping to preserve your assets for future use to transferring your wealth.

From the conservation of your assets to the transfer of them, comprehensive legacy planning helps ensure that the management of your assets will be dictated by your wishes throughout your life and may provide a variety of benefits to you and your family. When they are executed and implemented properly, legacy plans may help reduce family disputes and court bureaucracy, provide effective disability planning, appropriately utilize exemptions to minimize estate taxes, and provide certain asset protection benefits to beneficiaries.

There are many strategies and tools that can be utilized to help safeguard your wealth and make sure it is effectively transferred. A variety of legal documents, such as wills, revocable living trusts, powers of attorney and advanced medical documents, are beneficial to the legacy planning process. Life insurance, both term and cash value, is another valuable tool to consider because it can be designed to serve several different functions. Life insurance policies can help address the financial harm caused by unexpected sudden deaths of parents of minor children, minimize the wealth destruction of families who may need advanced estate taxation avoidance, or possibly even work as alternative savings or wealth generation tools.

Additionally, long-term care insurance helps protect your assets from the devastating costs of long- term care expenses and ensures that you live in reasonable housing during the last stages of your life. These policies provide a diverse range of coverage depending on the style you choose, from more traditional policies to unique hybrid approaches that can generate enhanced long-term care benefits within certain types of life insurance or annuity* contracts.

Finally, Elder Law Planning can help limit the potentially devastating effects long-term disabilities may have on your quality of life, finances and legacy.

Legacy planning requires a coordinated and comprehensive approach that our firm is uniquely positioned to provide. We can help outfit your legacy plan with the insurance products it needs to protect you and your family, and our affiliated law firm can provide the estate planning solutions and documents necessary to preserve your wealth and carry out your wishes.

*Annuities are designed to be long-term investments. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuities are not guaranteed by FDIC or any other governmental agency. Guarantees are based on the claims paying ability of the issuing insurance company. Fixed Indexed Annuities are insurance products and not considered a security or investment. Some restrictions may apply. Call for specific details and availability.

Do you have a financial safeguard set up to protect your loved ones after you pass away? With a well-thought-out life insurance plan, you can do just that.

The purpose of life insurance is to help provide a measure of financial well-being for your family and loved ones when you are no longer there. With the purchase of a well-planned life insurance policy, you can help ensure that your family and loved ones will be taken care of.

Life insurance may provide you with an array of benefits such as providing for funeral costs and final medical bills, along with helping with life expenses for your dependents and/or survivors. But, what really sets it apart from other financial options is that it receives advantageous tax treatment unlike any other financial tool. Benefits include:

• Death benefits to the beneficiary are usually income-tax-free.
• If properly owned, death benefits may be estate tax free.
• Policy loans are usually income tax free.
• Cash values can grow tax deferred during the owner’s lifetime.

As an independent insurance firm, we are able to shop dozens of insurance carriers to find the best rates and product solutions to fit your specific needs and goals. In addition, we offer complimentary reviews on your existing life insurance contracts.