What Makes Us Unique​

Our Mission

Our focus is on the wants and needs of retirees, and those seriously preparing for retirement.  Since 1998, we have developed the expertise and acquired the resources to help you design a thorough and complete Retirement Plan based on your individual circumstances.

A Holistic Approach to Retirement Planning

There are 3 separate and distinct divisions to our practice.  They can all work together in harmony, or can function as individual components to complete and solidify your Retirement and Estate Plan.

Retirement Income Planning. We can help you design your own Personalized Retirement Income Plan. This includes choosing your most advantageous Social Security and/or Pension filing options. And, since most of us will not be able to maintain our desired lifestyle solely from Social Security or Pension income alone, we can help you determine the best strategies for you to supplement those income sources. Unfortunately, most Financial Advisors continue to use an outdated model for Retirement Income Planning that can have more than just disappointing consequences. Since today’s economic times are radically different from anything we’ve experienced in our lifetime, we offer a Retirement Income Planning model that assures you’ll be able to maintain your desired retirement lifestyle throughout your retirement years WITH CERTAINTY.

We do not charge any fees for our services in our Retirement Income Planning division.  In order to implement a Retirement Income Plan, it often requires repositioning some savings.  If you choose to do that with any of the major financial institutions we recommend, then we are compensated by the providers of any accounts or services that you choose to use.  Your accounts are opened directly with the providing institutions, and every dollar goes directly into your account, without any deductions for us.

Wealth ManagementMany of our clients have accumulated savings that are not needed to support their Retirement Income Plan, or for short-term Emergencies, Major Purchases, or Special Events, and they wish to keep those savings invested for the longer term.  By referral to Visper Wealth Management, our clients have access to a level of professional portfolio management customarily reserved for institutional or very wealthy clients, and focused not only on performance, but also reduced risk and volatility.  In addition, it will allow them to quickly, efficiently, and seamlessly have their portfolio properly adjusted due to changes in personal circumstances or market conditions.  This ensures that their investment portfolio is always in line with their current goals and objectives.

Visper Wealth Management is compensated for its services by an asset-based fee.

(Advisory services offered through The Patriot Financial Group and Visper Wealth Management. Patriot Financial Group is a SEC registered Investment Advisor. Neither Visper Wealth Management or The Patriot Financial Group are part of The Visper Group. The Visper Group may make a referral to Visper Wealth Management.)

Legal. Legal services are provided by Attorneys Chris Sharry and Jeff Monfette. Both attorneys are Elder Law specialists, and have been admitted to the National Academy of Elder Law Attorneys (NAELA).  They can help you design an Estate Plan that will allocate what you don’t use in your lifetime to the people or institutions of your choice and in the manner you want them to receive it.  In addition, they can be there for you to help you protect what you’ve worked a lifetime to accumulate should you have the misfortune of needing Long-term Medical Care.

The Attorneys do not usually charge you for your first appointment.  They will spend whatever time with you is necessary to review any legal documents you already have, to find out what is important to you, and what you have to protect.  They will then let you know what legal documents and/or modifications, if any, they would recommend, and quote you a fee.  It is then up to you to decide what services, if any, you would like them to provide.

(The Visper Group is not a law firm, but is affiliated with Sharry & Monfette LLP).

We encourage our clients to focus first on their Retirement Income Plan, since a comfortable retirement is not possible without the certainty that you will be able to maintain your desired lifestyle throughout all of your retirement years.  Once that is secured, then the other necessary dimensions can be added to provide you a totally holistic Retirement and Estate Plan.

A Referral Based Firm

Over 80% of our clients come to us by referral from existing clients, their attorneys, or their accountants.  Many financial professionals spend most of their time finding clients.  As a result, they have less time to research and evaluate the various product solutions from numerous companies.

Being a referral-based firm allows us to take the time to continuously research multiple options for our clients.  It also allows us to provide you with a level of service that you have never experienced before.  It’s a simple and effective business philosophy.  We’d rather spend our time doing the best possible job for you, and taking the best possible care of your ongoing needs, than spend our time looking for new clients.  In return, we only ask that, if we keep all of our promises to you, if you’re completely satisfied with the choices we help you to make, and, if you’re comfortable with the process through which you made your choices, then you’ll refer family and friends to us. 

We earn being a referral-based firm by considering only your best interest in our recommendations to you, even if that means passing on an opportunity to do business with you.  Our objective is not to complete a transaction and move on.  We provide our clients a level of ongoing service you’ve not experienced before.  We are attentive to every detail that can help you protect, and get the most from, your savings.  This includes continuous access to concise information you can use to make decisions that are comfortable for you in managing your retirement.  Our dedication to your best interest allows us to be a referral-based firm.

The Visper Group is a Better Business Bureau A+ rated firm

Our Expertise

  • Locate principal-protected accounts that will allow you to draw what you need to support your lifestyle throughout all your retirement years, with the potential of substantially better yields on those savings, than other guaranteed, safe options.
  • Assure an inflation adjusted Secured Lifetime Income, when needed to supplement Social Security and/or Pension income, without the f ear of living too long and depleting your savings
  • Reduce or eliminate income taxes on savings earnings
  • Avoid probate costs and delays when savings are transferred to heirs
  • Reduce or eliminate Estate Taxes
  • Protect savings from nursing home costs, even when long-term care insurance is not an option
  • Properly re-position existing IRA, 401(k), 403(b) and other Retirement Plans via direct rollover or direct transfer when doing so will enhance the security of y our retirement plan.
  • Stop the IRS from inheriting savings that you want to pass on to loved ones
  • Locate principal-protected accounts that will allow you to draw what you need to support your lifestyle throughout all your retirement years, with the potential of substantially better yields on those savings, than other guaranteed, safe options.
  • Assure an inflation adjusted Secured Lifetime Income, when needed to supplement Social Security and/or Pension income, without the f ear of living too long and depleting your savings
  • Reduce or eliminate income taxes on savings earnings
  • Avoid probate costs and delays when savings are transferred to heirs
  • Reduce or eliminate Estate Taxes
  • Protect savings from nursing home costs, even when long-term care insurance is not an option
  • Properly re-position existing IRA, 401(k), 403(b) and other Retirement Plans via direct rollover or direct transfer when doing so will enhance the security of y our retirement plan.
  • Stop the IRS from inheriting savings that you want to pass on to loved ones

The Visper Group staff, in tandem with our affiliates Visper Wealth Management and the Sharry Monfette Law Office, can provide the information and tools you need to develop a worry-free plan that will address any of the following issues that are important to you:

  • Assure an adequate stream of income to support your desired retirement lifestyle, with certainty, throughout all of your retirement years. (If you have, or will have, sufficient pension income, adjusted for inflation, for you and your spouse throughout your retirement years, then you do not need to allocate any of your retirement savings for income production. Otherwise, this should be your very first priority.)
  • Determine an adequate Emergency Fund
  • Provide an appropriate reserve for Major Purchases and Special Events
  • Effectively manage that portion of y our savings not needed to secure your retirement income or for Emergencies, Major Purchases, or Special Events.
  • Eliminate unnecessary taxes
  • Protect savings from the devastating consequences of a long-term medical care requirement like a nursing home stay, without, in most cases, having to buy long-term care insurance
  • Provide for the effective and efficient transfer to your heirs of any savings you don’t use during your lifetime, without the costs and delays of the probate process and free from all avoidable and unnecessary taxes.