Comprehensive Planning Associates, Ltd (Compass) is an independent registered investment advisor, overseeing and coordinating finances with headquarters in Westport, CT. Our mission is to provide the families and businesses we serve with innovative financial strategies, solutions and planning that result in financial clarity and security.

At Compass, we believe that the foundation to a successful financial strategy is comprehensive financial planning. By working from the same side of the table as you, we will help uncover your retirement needs, goals and dreams. We combine your future goals with your current lifestyle, and help you begin the process of creating your retirement roadmap.

We offer our prospective clients an initial complimentary, no obligation risk assessment where we provide third-party analysis of their current investments, personalized income projections, and ideas for immediate implementation. We look forward to our initial visit and finding out how we can help you get one step closer to your financial goals.

For even the most financially literate individual, planning for retirement can be a very challenging undertaking. The days of relying solely on your pension and Social Security benefit to satisfy your income needs during retirement are long gone. In today’s economic climate, historically low interest rates coupled with high market volatility rates have made planning for retirement difficult and more important than ever.

One of the most difficult aspects of retirement planning is the mental shift it requires. Prior to retirement, your financial life was dictated by an earning and saving paradigm. Once you retire, however, you will no longer be earning a paycheck you can save which means you will need to generate an income through other sources.

A crucial first step toward helping ensure adequate funding throughout your retirement is understanding that having retirement savings is not the same thing as having retirement income. Saving for retirement is what you have spent most of your working life doing, but now is the time to begin using those savings to create the retirement income you’ll need. This can represent both an incredible investment and mental challenge and is a process made much easier by enlisting the services of a financial professional.

Our firm can help you define your retirement goals and evaluate your current financial state. In addition, we can help you design a retirement plan capable of generating, in a reliable and sustainable manner, the income you need.

You’ve spent your life working hard for your money and now is the time to let us help you make it work hard for you!

Our clients receive proactive advice on tax reduction strategies based on income, expenses, individual needs and goals. Proactive tax planning allows our clients the opportunity to minimize tax burdens and build a solid foundation of tax reduction strategies that can result in years of tax savings.

We will help ensure that your retirement plan takes full advantage of available tax credits and deductions and is tailored to utilize both tax advantaged and taxable products to help certify you and your heirs are maximizing wealth for generations to come.

Tax Planning Services

• Roth Conversion Analysis
• Year-end tax filing services
• 1040 tax optimization reports
• Personalized tax reduction reports

We will monitor tax law changes that will affect our clients, recommending tax savings strategies as well as serving as your advocate in tax matters. Our client’s tax returns are prepared so that they only pay what they are required to pay and not a penny more.

We strive to implement a sound, well-thought-out financial strategy to minimize year-to-year tax liabilities and provide the opportunity to maintain your current standard of living throughout retirement.

Gretchen Brunner, Matthew Brunner, Comprehensive Planning Associates, Ltd (Compass) and Gradient Securities do not provide legal advice, but will work with your attorney or independent tax or legal advisor.

At Comprehensive Planning Associates, Ltd (Compass), we believe no two investors are alike. In order to help each client meet their financial goals, we base our process on a client focused personalized approach using multiple investment strategies. Our advice and recommendations are tailored to our clients’ investment goals, desired return objectives, risk tolerance, time horizon, cash requirements and tax situation. Our investment strategy is designed based on your long-term investment goals of preserving principal, maximizing income or accumulating capital.

As a fiduciary, we have an obligation to ensure the appropriate products are chosen based on the client’s best interest. Therefore we develop your personalized asset allocation model based on individual risk tolerance, objectives and financial needs. Our goal is to maximize your investment returns while minimizing your risk through diversification of your assets.

Working with you, we will help you understand the investments you hold, and why. Working from your comprehensive plan, your investments will always be designed to achieve your short and long term goals, so that you can enjoy the life you want today, while working to achieve the life you want in the future.

To prospective clients, we offer a no cost, no obligation, and complimentary review of your current portfolio.