Creating a financial roadmap to discover your How
Our Process
committed to helping you save and plan for retirement
the dream life process
Our process keeps you, your needs and aspirations central to the planning process and will tell you how you can live your best life in retirement. After the plan is enacted, we stay connected with you from the initial consultation throughout your golden years, providing expert guidance and support every step of the way.
In this meeting, we will take the opportunity to learn about you and your long-anticipated retirement goals. Utilizing our LIFE process, we ensure that all relevant aspects are addressed.
In this meeting, we will take the opportunity to learn about you and your long-anticipated retirement goals. We will discuss your savings, investment strategy, risk tolerance, and your planned retirement timeline. Utilizing our LIFE process, we ensure that all relevant aspects are addressed. The information gathered during this Discovery meeting will be utilized in the development of your retirement plan, which we will present to you in our second meeting, the Endorsement Meeting.
In this phase, we will focus on the “How.” Our solutions will leverage the valuable insights you have provided regarding your current situation and your envisioned retirement.
In this phase, we will focus on the “How.” Our solutions will leverage the valuable insights you have provided regarding your current situation and your envisioned retirement. During this stage, we will undertake the necessary analysis to identify how you can achieve the retirement you aspire to. This is where we translate your goals into an actionable plan, determining the required rate of return on your assets to generate the income and growth needed for your comfort and security in retirement.
This meeting serves as our second in-person discussion, during which we will recap the information you previously shared and address the concerns you raised regarding retirement.
This meeting serves as our second in-person discussion, during which we will recap the information you previously shared and address the concerns you raised regarding retirement. We will present our recommended plans, which will serve as a comprehensive guide to transition you from your current situation to the retirement goals you previously articulated. Our aim is for you to select the plan you feel aligns best with your preferences. Moving forward, you will know what steps to take, why you are taking them, and where they will lead.
This step is pretty straightforward and marks the transition from the planning phase to taking the necessary action to implement your selected path to retirement.
This step is pretty straightforward and marks the transition from the planning phase to taking the necessary action to implement your selected path to retirement. Depending on the endorsed plan you have chosen, there are likely additional tasks we must complete. While this phase is slightly mundane as it involves necessary documentation and paperwork, it also signifies your commitment to the plan. Your commitment reflects your confidence in moving closer to a fulfilling retirement.
After you have selected your preferred plan, our collaboration continues to evolve. We will regularly monitor your plan’s progress towards our intended goals and provide performance reports at least quarterly. Additionally, we will meet at least once a year to review the plan’s performance and ensure that no significant changes have occurred. If there have been any changes to your situation or goals, we will revise the plan accordingly. Of course you would want to reach out if a significant change occurs at any time – we are here to support you.
In this phase we aim to evaluate the income required for you to realize your desired lifestyle in retirement. Our objective is to understand your current situation and your aspirations, enabling us to provide tailored recommendations that support your ideal retirement. Furthermore, we will consider all existing income sources, including Social Security benefits, and explore strategies to mitigate potential tax implications, ultimately enhancing your financial outcomes.
In this stage we will be looking for ways to maximize the potential of your investments. Therefore, we will assess your current asset allocation and explore opportunities for repositioning these assets to reduce fees, ultimately allowing your investments to generate greater returns. This strategic approach aims to enhance your wealth over time. We will ensure that any repositioning aligns with your investment risk tolerance and retirement timeline, as these assets are positioned for long-term growth.
This section can present certain challenges, and we strive to make the process as positive and constructive as possible. Here, we aim to identify any concerns you may have regarding potential threats to your assets and your family’s security. This may include issues such as legal actions, unexpected death, or insufficient long-term care insurance in light of a family history of serious health conditions. Our goal is to ensure that you, your family, and your assets remain protected in the event of unforeseen circumstances that could impact your health, financial stability, and overall well-being.
In this section, we invite you to outline your preferences for the distribution of your remaining assets upon your passing.
In this section, we invite you to outline your preferences for the distribution of your remaining assets upon your passing. Your preferences will assist us in determining the most effective way to establish accounts that minimize tax implications on asset transfers, while also ensuring your assets are distributed according to your wishes with minimal complications and delays often associated with probate. If you are considering leaving a legacy for your spouse, children, or a charitable organization, we are here to help you structure accounts to fulfill those intentions.
