Focusing on retirement, Mr. Letendre assists his clients with income planning, asset management, Social Security, Medicare, and Medicaid planning. He also works with clients on planning their legacies and their estates. In contrast to a broker, Mr. Letendre does not sell products to his clients as an investment advisor. Instead, he engages in a holistic review of each client's goals and objectives, working to provide the best combination for that client's long-term goals. Further, as an advisor, Mr. Letendre charges an asset-based fee for managing a client's assets rather than the typical commissions for selling products charged by registered representatives of broker-dealers.
Mr. Letendre and Cape Retirement Wealth Advisors work to create individualized retirement plans matched explicitly to the goals and objectives of each of their clients. Working to get to know his clients, Mr. Letendre takes what he knows about each client's risk tolerance, retirement goals, and current assets to create a retirement plan specifically for that client to move forward into a retirement in which the clients cannot outlive their money. In addition, although not a tax advisor, Mr. Letendre does work with his clients to reduce the impact of taxes on retirement income and assets. He also strives to provide continuous income were needed through the use of annuities if applicable.