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What Makes Longitude Different?
Our Values
1
No Minimums
Everyone deserves the opportunity to work with a financial planner, regardless of their income or value of their stock portfolio.
2
No Sales
As fee-only advisors, we remove any incentive to sell products and earn a commission. Our incentive structure is completely aligned with our member’s interests
3
High-Value Service
By leveraging technology we are able to provide some of the lowest rates in the industry without sacrificing quality
Retirement FAQs
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Retirement can take many forms. We personalize recommendations to each client based on the lifestyle and time they want to spend in retirement.
Every person has a unique retirement number. Try our time value of money calculator to visualize the importance of starting early. -
We use a tool by Income Labs in conjunction with your Right Capital financial plan to find the optimal time for you and your spouse to take social security.
This optimization takes into account your lifespan, -
IRMAA (Income-Related Monthly Adjustment Amount) is a Medicare premium surcharge that applies to higher-income beneficiaries based on their modified adjusted gross income from two years prior.
Multiple income brackets can significantly increase both Part B and Part D premiums above the standard amounts.
As your RIA, I monitor these thresholds closely because strategic income planning (such as timing Roth conversions, managing capital gains, and considering QCD strategies) can help minimize or avoid these surcharges during your Medicare years.