Not billed
Am I carrying enough liability protection?
We evaluate whether umbrella liability insurance is adequate for what you have accumulated.
Why we're different
There are four essential pillars of retirement
Risk, taxes, income, and legacy, along with the non-financial things that will be covered for you at no added cost to build a moat around your retirement plan.
Start with the name
What does “Resources” mean?
It’s a fair question. A plan depends on what stands behind it: the tools, the reviews, the tax and estate work we can do in-house, and a willingness to look at things nobody is paying us to look at, to uncover opportunities and benefits you may be owed and were never made aware of.
We’re a fiduciary, and that has a specific meaning.
Financial Resources Group, LLC is a Registered Investment Advisor (RIA) headquartered in Connecticut. We are held to a fiduciary standard, which obligates us to act in your interest rather than recommend whatever pays us best. Our Form ADV Part 2A brochure, which sets out our business, services and fees, is available on request.
The coordination problem
Four professionals, four opinions, no plan.
Having four pillars and four different professionals working independently to solve them is not a complete plan. You want collaboration.
No business would survive a quarter run this way: four capable departments, each doing its own work correctly, none of them ever in the same meeting.
That’s what a financial plan looks like when nobody is coordinating it.
The job of coordinating information falls on you, and do you even know what to ask? Let Financial Resources take on this stressful burden for you.
DisconnectedCoordinated
Resources you don't pay extra for
The reviews we don't charge for
These aren't investment work and we don't earn anything on them. They are also where a finished-looking plan can come apart.
- Not billed
Has my home policy changed since I bought it?
We don't sell this policy or earn anything on it. We read it anyway, because the coverage you bought and the coverage you hold today are not always the same.
- Not billed
Will my power of attorney be accepted?
We review your financial power of attorney against your bank, your brokerage firm and your insurance company. A document can be entirely valid and still be refused, including by government agencies, at the moment someone needs it.
The full review
Every data point we review
Grouped by our four pillars. You'll have some of these covered already. The point is finding the ones you haven't.
Retirement Income
Designed to minimize taxes, reduce risk, and provide more income.
Which way of taking income fits me?
There are twelve documented ways to draw income in retirement. We identify which fits you, for the most income, at the least risk, with the lowest probability of running out.
Am I pulling from the right accounts in the right order?
Pulling from taxable, tax-deferred and tax-free accounts in the wrong order raises your lifetime tax bill. We map the order.
Will my RMDs push me into a higher bracket?
RMDs begin at 73, and missing one carries significant penalties. We plan for them years ahead instead of reacting in the year they land.
When should I claim?
Benefits can start at 62, reach full amount at your full retirement age, or grow if you delay to 70. Health, marital status, employment and income needs all move the answer, and it interacts with everything else in the plan.
Tax Reduction
Modeling how each decision moves your tax bill, before you make it.
Should I convert, and if so, when?
A conversion may lower future taxes but raises them in the year you convert. Current bracket, expected future income and the rest of the plan decide it.
Am I realizing gains at the worst possible time?
Timing and structuring sales, and weighing a capital gain against an IRA withdrawal, changes what you keep. We model the comparison before the decision.
Is my income about to raise my Medicare premiums?
Crossing an income threshold triggers Medicare surcharges, and you don't get a warning first. Staying under the threshold protects your healthcare costs.
I have a large W-2 income. What can I do about it?
Deferral and income-shifting strategies for large earned incomes, business income and high wages.
Is my portfolio costing me tax I never agreed to pay?
Turnover, fund placement and account location all generate tax on money you are not spending. Our investment management is tax-sensitive by design for this reason.
Risk Management
Protecting income, reducing emotional decisions, and conserving assets.
Is my portfolio really diversified, or does it just look that way?
Holdings that move together are not diversification. We blend multi-asset, globally diversified model portfolios and check which holdings offset risk and which pile onto it.
What happens to my retirement if the market falls 20–30%?
We run your plan through a decline instead of an average year, so you know the number before it happens.
What happens if one of us needs care?
Long-term care is one of the financial perils a retirement plan has to price in. We look at coverage routes that do not depend on expensive annual premiums.
- Not billed
Am I carrying enough liability protection?
We evaluate whether umbrella liability insurance is adequate for what you have accumulated.
- Not billed
Has my home policy changed since I bought it?
We don't sell this policy or earn anything on it. We read it anyway, because the coverage you bought and the coverage you hold today are not always the same.
Will my spouse be alright if I go first?
Pension elections, Social Security survivor rules and the loss of one benefit can cut household income sharply. We coordinate payouts and plan ahead of the event, not after it.
Estate & Legacy Planning
Passing assets on efficiently, and making sure the paperwork works.
Do I need a trust, or is a will enough?
We help you decide which tools fit your situation. Estately is a client-directed service, and we can walk you through the process and get you prepared.
Will my accounts go where I think they will?
Beneficiary designations override your will. We check how every account is titled and designated so assets avoid probate and flow to the next generation the way you intended.
- Not billed
Will my power of attorney be accepted?
We review your financial power of attorney against your bank, your brokerage firm and your insurance company. A document can be entirely valid and still be refused, including by government agencies, at the moment someone needs it.
How do I take care of one child differently?
An equal split is not always the fair one, and a plan can say so. Where a child relies on means-tested benefits, provisions can be structured so an inheritance supports them without costing them eligibility.
Can I give in a way that also helps my tax picture?
Charitable giving structured inside the estate plan and coordinated with the tax strategy.
Questions
What people ask first
Yes. Financial Resources Group, LLC is a Registered Investment Advisor, headquartered in Connecticut. That means we are held to a fiduciary standard and are obligated to act in your best interest. Our current written disclosure statement, Form ADV Part 2A, is linked at the foot of every page of this site, and we will send you a copy on request.
We read documents an investment advisor isn't paid to read, including your financial power of attorney and your homeowner's policy. And tax strategy and estate planning are done here instead of being handed off. For estate documents, we walk you through Estately, a client-directed service, and get you prepared.
We ask about your goals, your family, and what's worrying you. Then we tell you what we'd look at and whether we're the right fit. The first conversation is free.
Our main focus is people who are retired or close to it, though we work with pre-retirees as well. If you are trying to work out whether your income will hold up, that is exactly the conversation to have with us.
Next step
Ask us what we'd find in yours
A first conversation can turn up something you didn't know was there, and it's free.
Or just call us:(860) 657-8380