Will I run out of money in retirement?
We help you build an income plan to last you a lifetime, and can evaluate multiple scenarios in retirement.
Services
Helping you navigate retirement planning.
Together, we’ll identify the best plan for your retirement.
Every piece
under one roof.
- 15
- retirement risks reviewed in your Retirement Risks Analysis
- 6 steps
- from your first call to an ongoing service calendar
- 1 flat fee
- $12,000–$18,000 a year, based on complexity
- Fiduciary
- at all times, with no broker-dealer
Problems we solve
The questions
retirement raises.
Most people come to us with one of these on their mind. Here’s how we help with each one.
Will I pay too much in taxes?
We work with your CPA and leverage cutting-edge technology to take a “windshield” approach to taxes in retirement, making sure you’re paying what’s owed but don’t leave a tip!
Do I need insurance and do I have the right type?
We help you review everything from your home, auto, & liability coverage, to life insurance, long-term care and more.
What do I do about Medicare?
We’ve got you covered, whether it’s Medicare supplements, Medicare Advantage, or Prescription Drug Coverage. We’ll help you get the right coverage and help you change when needed.
How do I avoid probate and protect my assets once I’m gone?
Part of doing proper planning is making sure your legal documents are in order. We can help you choose what is needed, then help you set them up and maintain them going forward.
What’s the best way to claim my Social Security?
We will run your Social Security options so that you don’t leave money on the table and it’s integrated with your retirement income plan.
What’s the best way to create income throughout my retirement?
We walk through different income strategies to help you make the most of your hard-earned money, and create a plan that works whatever the future may hold.
What will I do in retirement?
Retirees who delegate their financial planning to an expert have more time and energy to spend on things they enjoy. We know that having community and an intentional plan are important, so we’ve built our Retirement Readiness™ process to help with this.
What about forks-in-the-road and blind spots I’m not even aware of?
Our Retirement Readiness™ process analyzes the 15 biggest risks people face in retirement. This is an ongoing process we continually review, so you’re never left to make decisions without a trusted advisor by your side.
How we solve them
Six steps,
no surprises.
We get to know you before anything is decided. You’ll see your Retirement Risks Analysis before you pay us anything, and we only go on together if it’s a good fit for both of us.
Start with an Intro Call-
Step 1
Intro Call
You share your retirement concerns and a bit about yourself. We’ll share a bit about us and answer your initial questions. From there we mutually decide to schedule a Power Hour meeting or part ways as friends. We’ll even help you find another advisory firm if we’re not a good fit.
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Step 2
Power Hour
We discuss your retirement situation in more detail. This often includes statements, balance sheet, tax returns, and whatever financially relevant info you’re comfortable sharing. This can also include your vision for retirement and goals you’d like to accomplish. Don’t worry if you don’t have all the answers, as our Retirement Readiness™ process is designed to help us get there!
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Step 3
Share Our Findings
This is where you see the results of everything you’ve shared up to this point, including your Retirement Risks Analysis with your graded 15 risks. We include potential solutions if we’re able to help.
Your Retirement Risks Analysis is a two-page report that grades all 15 retirement risks red, yellow or green. It’s yours to keep. See the 15 risks
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Step 4
Decision Step
Outcome AFor whatever reason, we’re not the best match. If you prefer, we’ll help you find another advisor.
Outcome BWe’re mutually a great fit, and we’ll review the next steps to proceed.
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Step 5
Plan Implementation
We will complete any new paperwork that needs to be signed and will help you link to any technology we will be using. After that, the rest of the work is on our shoulders.
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Step 6
Service Calendar & Strategy Meetings
We monitor and update your plan with an easy-to-follow service calendar, reviewing different planning topics each month. This way you accomplish tasks along the way in bite-size steps, rather than feeling like everything has to be done at once.
We also leverage strategy meetings because often time-sensitive issues arise that cannot wait for the next scheduled meeting. This could involve tax law changes, income decisions, Social Security and Medicare choices, or an endless list of agenda items that will come up throughout the life of our relationship.
The Retirement Risks Analysis
The 15 biggest risks
in retirement.
How long will my money last and do I have any blind spots that could potentially derail my planning? Stress-test your retirement plan against the 15 biggest retirement risks to find out.
- Green No improvements needed
- Yellow Some improvements available
- Red Considerable improvements available
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01
Longevity risk
Weighs the potential of outliving your retirement funds.
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02
Healthcare risk
Weighs exposure to healthcare costs and changes.
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03
Morbidity risk
Measures financial impact on others in the case of premature death (example: whether or not a pension continues after death).
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04
Business risk
Refers to being overly invested in one or few companies (all of your eggs in one basket).
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05
Purchasing Power risk
Relates to the impact inflation has on your plan, by reducing your purchasing power throughout retirement.
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06
Market risk
Measure of your portfolio’s exposure to potential subpar market conditions.
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07
Portfolio risk
Looks at the efficiency of your actual investments, diversification, asset location, etc.
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08
Tax risk
Weighs the tax-efficiency of your plan and potential missed opportunities.
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09
Fee Drag/Opportunity Cost risk
Checks your plan for excessive fees, transaction costs, cash drag, etc. and the impact this has over time.
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10
Sequence of Returns risk
Measures how vulnerable your plan is to varying sequence of market returns (often referred to as “Retirement Red Zone” just prior to retiring).
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11
Long-Term Care/Disability risk
Weighs your plan’s exposure to the potential costs of needing nursing home/assisted living care or long-term absence from work due to injury/illness.
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12
Public Policy risk
Measures susceptibility to changes regarding law, taxes, estate guidelines, etc.
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13
Liquidity risk
Evaluates ability to quickly and easily access retirement funds.
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14
Bequeath & Legal risk
Weighs the likelihood of preserving estate and passing it on to next generation (kids, grandkids, charities, etc.). This is also a review of your legal documents such as your trust, will, healthcare power of attorney and so forth.
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15
Self-Sabotage/Personalization risk
Measures how automated your plan is versus needing hands-on management with timely decision-making skills. Also accounts for whether or not your plan and investments are tailored specifically to you, as these risks often overlap.
Retirement Risks are assessed using Holistiplan®, TIFIN Wealth®, RISA®, and Right Capital®.
The risks are the same for everyone. Your report shows which ones are red, yellow or green for you, and it’s yours to keep.
Schedule an Appointment
of retirement,
together.
Who we serve
A trusted planner
on your team.
Those who:
- Want a trusted fiduciary financial planner on their team
- Tend to be retired or preparing to do so within 5 or so years (work-optional lifestyle)
- Want an ongoing relationship with an advisor for each phase of retirement, and participate in strategical meetings as needed
- Are transparent with their assets, income and financially relevant information so we can best serve them
- Are disciplined and committed to follow our investment philosophy
- Tend to have $2,000,000 or more in investable assets. We also offer a complimentary initial review.
- Appreciate a comprehensive approach that includes: professional investment management, tax planning, and estate planning, all under one roof
- Nice, optimistic people. This might sound cliché, but we will only work with genuinely nice people with whom we share a mutual respect
Not a good match?
What if we’re not
a good match?
We’re not the perfect fit for everyone. If this is the case, we can introduce you to other professionals we trust (we have no affiliation nor receive compensation from any of the following).
Keep exploring
More about
how we work.
Your next best step
Let’s start
a conversation.
A chance to meet, share what matters to you,
and see whether we’re the right fit.