OUR PLANNING PROCESS

We provide a full comprehensive Retirement Plan, Monitoring & Review in 6 Simple steps. 

Evaluation

The first step is to understand our clients and their current financial situation. We review accounts, tax returns, discover what they expect from the advisor, and determine risk tolerance. 

Goals, Expectations, & Objectives

During the second meeting,  we help clients identify and envision their own view of a meaningful and satisfying retirement. Together, we Identify and prioritize financial goals and concerns,  
retirement activities, understand transition into retirement, 
educate about risks and prioritize concerns.

Identify Costs of Retirement 

In this step we estimate the costs of retirement s tarting with current expenses and make revisions based on expected changes in retirement.

We Identify expense priorities: essential/discretionary/luxury. (in other words, expenses that are fixed vs. expenses that are flexible).

Address Risks & Key Decisions

From here we address risks faced in retirement such as Longevity, inflation, market, sequence of returns, timing  & public policy, and aging risks such as health, long term care, & frailty.  We discuss social security income, pensions, how and when to retire, tax planning ie IRA,401(k), Roth conversions, possible home equity (HECM) and legacy planning. 

Preliminary Plan/ Income Strategy Options

At this point we present a Retirement Income plan and evaluate possible alternative income approaches, such as the systematic withdraw (the 4% rule), the Bucket and the Flooring method. We make adjustments as needed, and test the plan using software analysis for success probability of the plan. 

Implement The Plan & Monitor The Plan

The final step is where we implement the plan and set expectations for the advisor and client in order to assure the success of the plan. We schedule frequency of review and monitoring of the plan. Of course life happens, so we make contingencies for adjustments and the unexpected events. 

All the services you need, all in one place. 

All the knowledge you need, all in one place. 

We offer the latest insights of financial planning techniques with the crucial overlap of investments and insurance. 
With tax laws changing frequently*, new insurance options coming out daily, and the ebb and flow of the markets, you can rest assured, that as a Fiduciary, we take it seriously keeping up with the latest research and advancements in the Retirement arena.  (*not a tax advisor) 
SCHEDULE A CONSULTAION

 One  Time Financial Plan   

Standard

  $2,500

Per Plan

Individual Financial Plan

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Family

$3,500

Per Plan 

Family Financial Plan

(two or more)

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Premium

$5,550

Per Plan

Business or Estate Plan

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 Hourly Advice  

$365.00

Per Hour

Hire by the Hour   

Need a professional for an Hour? 

We can discuss your current self managed portfolio to make sure you are on track. 

The First 30 minutes are free!

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Interested in our services?.. or Just Curious?  We’re here to help!

We offer a free   30 minute phone  consultation where we will introduce ourselves, offer some key insights to your plan, and see if we are a good fit for each other... no commitment from either of us at this point. 
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