Losing a spouse is devastating. Taking care of family finances, especially if the survivor didn’t deal with them regularly, is the last thing on his or her mind. Administering accounts, searching for life insurance information and making a myriad of other decisions weighs on the survivor.   Strasbaugh Financial Advisory, Inc. (SFA) has a long-term record of helping widows and widowers in this situation. As a fiduciary, SFA pursues the client’s best interests and they appreciate having an advisor who listens before giving any advice. We help people with the difficult phone calls that are needed to locate all assets and accounts, and explain the details of a client’s financial life in layman’s terms.        Many who retire from the armed forces after a long career move onto the next stage of life by entering the private sector -- often making a significant salary. The new salary combined with retirement pay, often moves them into an income bracket they never dreamed of.   There are many decisions the retiree faces, chiefly, how to protect and grow their assets and what legacy they wish to leave their children and grandchildren.  SFA helps clients clarify their situation, decrease their taxes and maximize the savings potential of their current income to fund their future retirement.           Corporate pre-retirees – professionals nearing retirement – often are too busy to plan for retirement. With retirement in the near future, stock options have to be addressed, as does the alternative minimum tax (AMT).  SFA helps clients’ embrace a plan to diversify out of company stock and minimize AMT exposure. A retirement cash flow plan funds 30 years of expected outlays for everything from homes to health care, and a solid investment plan is developed to meet these needs.     Small business owners face many challenges when they plan for retirement . Large expenses, including putting children through college and even graduate school can leave business owners with limited assets to fund retirement.   SFA creates a detailed cash flow plan showing small business owners and their families projected expenses through age 90 and a plan for saving the money needed to fund those outlays. SFA may recommend the business owner set up a defined benefit plan in the business to quickly amass large, tax-deferred savings, and the benefits of working part-time are often discussed.