Services for Individuals 

More than ever, Americans are choosing to live abroad for reasons varying from the cultural experience, or the lower cost of living, to the ability to virtually work for a US based employer while living abroad. By taking advantage of our extensive experience living abroad and relocating throughout the United States, PPLLC advisors guide our clients through a process of understanding their relocation goals and expectations, financial and personal pros and cons, identify potential risks and options, and develop a plan of action. It has never been easier for working Americans to become expats or retirees to retire abroad. Our goal is for our clients to live their dreams abroad - not their nightmares.

Personal Pivot, LLC’s advisors deliver comprehensive retirement support that starts with reviewing your employer's "Summary Plan Description" and assisting you in requesting a pension estimate with a Benefit Commencement Date. We’ll also review your payment methods and estimated benefit amounts available under each plan for which you are eligible, identify all available payment methods and additional features, comparing them to your current and future personal needs and desires. Our goal is to provide our clients with clarity and understanding by defining common pension terms and how each option affects them. We also offer customized and insightful guidance for complex situations that might include: Divorces involving a Qualified Domestic Relations Order US military and Federal Government retirees The effects of your pension benefits in the event of an employer sale or spin-off Your eligibility for redeployment and transitional services if needed. Our sensitive, professional, and knowledgeable guidance ensures you understand and receive the retirement benefits you have earned and deserve from your employer.

Transformative events are generally life-altering, often unpredictable, financially or emotionally stressful, and fundamentally life changing events. This radical change is inevitable, but for most people, it’s so rare that they aren’t prepared to pivot from what they know to the unknown. Our clients must often make crucial decisions with a looming deadline, for the first time in their lives, knowing that they will be held responsible. While Personal Pivot,LLC’s advisors don't provide legal, mental health, or financial advice, we look holistically at our clients’ risks and guide them through a rational process so they can more confidently make decisions in their new environment. Some common examples of transformative events include: ⦁ Divorce ⦁ Child adoption, or blending families ⦁ Managing business affairs after the death of a loved one ⦁ Being laid-off or fired ⦁ Career advancement vs investing in education ⦁ Having an adult child return home ⦁ Personal recovery after a crisis

Our experienced advisors guide you through your Medicare options, including Parts A, B, C, and D, and ensure you understand the pros and cons of having a Medicare Supplement (Medigap) plan. We, similarly, will show you the differences between Original Medicare and Medicare Advantage (Part C) options. Additionally, we help you navigate other supplemental health plans available in your state for medical and other coverages, such as prescription drugs. To prepare you for your transition to Medicare, starting around your 64th birthday, we will: Review actions that must be taken during your Initial Enrollment Period. Provide answers to help you make informed decisions. Obtain, review, and offer guidance on your Summary Plan Description, Member Guide, Medigap agreement, Benefit Booklet, and The Official U.S. Government Medicare Handbook. Our goal is to provide you with a complete understanding of complex options that allow you to have peace of mind during this process.

One of four households relies on Social Security as their primary source of income. To ensure your benefits are maximized, Personal Pivot, LLC will begin by reviewing your "Earning Record" to confirm it accurately reflects each year you've worked. Based on your needs, we’ll explain the often-complex "Social Security Statement," which is crucial for informed decision-making as you navigate various life changes. Before you make any binding decisions, we develop assumptions, review your estimated monthly benefits, and create a customized strategy tailored to your specific needs and desires. Once you decide to begin receiving Social Security, we assist you with filing your application online, track your claim's progress, and offer valuable insights based on our experience with local Social Security offices and correspondences.