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.
We Offer a Holistic Approach to Retirement Planning
To provide you with a holistic retirement and estate plan, our firm’s three distinct divisions can work in harmony, or each can function on its own to help you meet your long-term goals:
1. 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, because 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Unfortunately, most financial advisors continue to use an outdated model for Retirement Income Planning that can have more than just disappointing consequences.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.
2. Wealth Management.
Many of our clients have accumulated savings that are not needed to support their Retirement Income Plan. Such savings might be reserved for short-term emergencies, major purchases or special events. 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 which is not only focused on performance but also on reducing risk and volatility.
Our wealth management division also allows you to quickly, efficiently and seamlessly have your portfolio properly adjusted due to changes in personal circumstances or market conditions. This ensures that your investment portfolio is always in line with your 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 an SEC Registered Investment Advisor. Neither Visper Wealth Management nor The Patriot Financial Group are part of The Visper Group. The Visper Group may make a referral to Visper Wealth Management.)
3. Legal.
Legal services are provided by Attorneys Chris Sharry and Jeff Monfette. Both attorneys are elder law specialists, and both have been admitted to the National Academy of Elder Law Attorneys (NAELA).
Chris and Jeff 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, Chris and Jeff 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 for a 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 to learn 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
We Are a Referral-Based Firm
Over 80% of our clients come to us by referral from existing clients, their attorneys or their accountants. Being a referral-based firm allows us to take the time to continuously research multiple options for you and allows us to provide a level of service that you have never experienced.
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. If we keep all of our promises to you, and 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 all we ask in return is that you will refer your family and friends to us.
We earn our standing as a referral-based firm by considering only those recommendations that are in your best interest, 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 with an extremely high level of service and 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.
Schedule A Call
Click below to schedule your complementary telephone visit with Attorney Jeff Monfette. During this call, we’ll aim to get to know who you are and what you want out of retirement.
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