For more than 25 years, I have been instrumental in providing financial services to clients. I specialize in providing services to individuals age 50 or older who have a goal of preparing for, transitioning to or are already retired. The goal of investing is to ensure financial security later in life, but what do you do once youve achieved that financial security? When you work with me, I guide you through the issues that accompany retirement, including withdrawal strategies. I help you make informed decisions about which accounts to withdraw from first by factoring in tax considerations. I also work with you to calculate a sustainable withdrawal rate so you can live comfortably. I expect your life to change, and I continually monitor your financial progress and revise your portfolio as needed. As your retirement partner, you can rely on me for financial advice so that you can focus on lifes other matters, such as family, travel, and charitable causes. When Im not helping clients reach their financial goals, I can be found on the lake fishing, on the golf course or at a Minnesota Gopher football game. Securities offered through David J. Herbeck, a Registered Representative of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc. Berger Financial Group and Cambridge are not affiliated.