You’ve Worked Hard to Build Your Retirement.

Now, How Do You Make It Last?

How much risk should you take? Where will your income come from? And how do you know if
you’re making the right decisions with what you’ve built?
We help you understand your options and build a retirement strategy around what matters to you.

Prefer to talk? Call (207) 614-9091

Maine-Based Financial Advisor | Retirement Planning | Investment & Insurance Strategies

What’s on Your Mind About Retirement?

What happens to my retirement if the market drops?

You’ve worked hard to accumulate your savings. How much risk makes sense at this stage of your life?

How do I turn what I've saved into income?

Building your savings is one challenge. Creating an income strategy for retirement is another.

How do I make sure my money lasts?

Retirement could last 20 or 30 years—or longer. Your plan needs to account for that possibility.

Am I making the right decisions with my retirement savings?

Your 401(k), IRA and investments helped get you here. As retirement gets closer, the strategy that helped you accumulate may not be the same strategy that takes you forward.

Your Retirement Strategy Should Start
With You — Not a Product

There is no single investment, annuity or retirement strategy that’s right for everyone.

Before talking about solutions, we start by understanding you—what you’ve worked to build, what you want retirement to look like, how much income you’ll need, and how you feel about risk.

Only then do we start looking at which strategies may help you accomplish what matters to you. Depending on your situation, that could include investments, retirement income strategies, 401(k) or IRA rollovers, annuities, or a combination of approaches.

The goal isn’t to fit you into a product. It’s to help you understand your options and decide what makes sense for you.

Protect What You’ve Earned. Plan for What’s Ahead.

Protect What You've Built

Consider how a market downturn could affect your retirement—and how much risk still makes sense for you.

Create Income for Retirement

Put your savings, investments, Social Security and other resources to work creating retirement income.

Make Your Money Last

Balance what you want to enjoy today with what you may need years from now.

Keep Your Money Working

Keep appropriate portions of your money positioned for growth while balancing your need for income, stability and access.

What About Annuities?

If you’ve been looking for ways to create retirement income or protect a portion of your savings from market losses, you may be wondering whether an annuity could help.

So, is an annuity a good idea?

A better question might be:

Is an annuity right for what you’re trying to accomplish?

Annuities can provide valuable benefits, including options for guaranteed income and protection from certain market losses. But they also have limitations and tradeoffs—and they’re not right for everyone.

We can help you understand how different types of annuities work, what their guarantees actually mean, the benefits, limitations and tradeoffs involved, and what alternatives you have.

Then you can decide whether an annuity deserves a place in your overall retirement strategy.

Getting Started Is Simple

You don’t need to have everything figured out before we talk.

  • Tell Me What’s on Your Mind
    We’ll start with a conversation about where you are today, what’s concerning you, and what you’d like retirement to look like.

  • Understand Your Options
    We’ll look at your situation and help you understand the options that may be worth considering—including their advantages and tradeoffs.

  • Decide What Makes Sense
    If there’s a good fit, we can develop a strategy around your goals. If there isn’t, you’ll still leave with a better understanding of your options.

Meet Joseph Bean

Founder, Principled Agency | Financial Advisor

Most people just call me Joe.

I believe good retirement planning starts with listening.

Before we talk about strategies, I want to understand what you’ve worked to build, what’s important to you, what concerns you, and what you want retirement to look like.

My role is to help simplify complicated financial decisions, explain your options and the tradeoffs clearly, and give you the information you need to make an informed decision.

Because at the end of the day, it’s your retirement. You should understand the strategy behind it.