Start a conversation. Your visit with our team provides the opportunity for mutual discovery. We get to know you, and you get to know us. We learn where you are financially and where you want to go. You learn our process, priorities, and philosophy.
Measure and maximize. We analyze the data gathered during our first conversation and prepare your Retirement Income Analysis. Our team creates various proposals and recommended actions to maximize your retirement income and minimize your retirement risk.
Action leads to success. We work together to curate a customized plan that provides for all of your needs and, hopefully, most of your wants. We explain our speciﬁc recommendations and how the financial instruments we choose best serve you.
Our team creates your personalized Retirement Income Plan. We believe that income is the outcome that matters most in retirement. Based on that premise, we build multiple streams of predictable, reliable, and sustainable income for you to enjoy in retirement. It is essential that your income keeps pace with inflation and lasts a lifetime. Your ongoing digital access to your plan allows for regular check-ups and course corrections. We intend to serve you and your family for the rest of your life.
Taxes, Long Term Care needs, and Legacy Planning are hard but critical conversations. Appropriate measures to mitigate these risks must be a part of every family’s Retirement Income Plan. Difficult discussions lead to far better outcomes for you and your loved ones. Our team partners with you during each season of life, and we reconnect each year to review your plan and make any necessary adjustments to your Retirement Income and Legacy Plan.
OUR SMART STEPS PROCESS
Our first appointment will be a no-obligation opportunity for us to get to know each other better. During this fact-finding stage, we will ask a series of questions in order to find out more about your current financial situation and your goals for the future. We provide an overview of your employer benefits, social security benefits, and assets & liabilities, along with general financial planning and retirement concepts that may be incorporated as part of our recommendations.
Review Your Federal Report & Begin a Customized Income Plan
Reviewing your personalized report is essential in understanding the benefits you are entitled to and utilizing those to enhance your retirement. We will also go over the Social Security Optimization Report and/or Riskalyze Report.We will take as much time as needed for you to fully understand and ask as many questions as you may have. Once we have made the decision to proceed with comprehensive Retirement Income Planning, we begin with your monthly expense budget, assets and liabilities for analysis to then recommend various solutions to reach your goals.
Review Customized Income Plan, Implementation and Maintenance
We meet to review the details of your customized Retirement Income Plan and make recommendations on how to reach your goals. Following that in depth analysis and development of your customized Retirement Income Plan, we begin implementation of those recommendations. We will be with you through every step of the implementation phase to ensure that:
- We answer all your questions & concerns.
- Keep you up-to-date on the progress.
Quarterly, semi-annual or annual financial reviews are part of the quality and service commitment to provide ongoing, proactive financial oversight for you. Your needs can change over time and by scheduling regular reviews we can better anticipate any needs before they happen. We also host regular financial and educational workshops, which you are invited to attend during the years as an opportunity for a financial refresher, as well as an information exchange.
Legacy and Advanced Beneficiary Planning
As your wealth accumulates we can assist with creating your legacy. With the help of a third-party estate planning attorney, this step will assist with the secure transfer of assets to your spouse, other family members or charitable bequests that are in accordance with your wishes, and also the eventual creation of a living legacy.