Our Process

Our process is designed to help our clients achieve simplicity and confidence during their retirement years. It’s focused around 5 key areas of your current financial life.

Income– This is where we begin.

In retirement it is all about income. In your working years your income plan is straight forward, you show up to work and they pay you. Then you retire and those paychecks stop. You transition from income earner and saver to spender. This transition happens abruptly and your ability to plan for and create a consistent, predictable replacement is essential to a successful retirement plan.

Investment–

Once you have an honest assessment and understanding of your income plan. We then turn to your portfolio, your investment dollars. These accounts need to be positioned and allocated to provide the income you need now and for the rest of your life. Your income and investment plan work in concert and all times need to be defined and redefined; allocated and re-allocated. Markets change, you change, your priorities change and your investment must change to accommodate.

Taxes–

The third step in our GPS is Taxes. Taxes impact every aspect of your income and investment decisions. Planning for or preferably avoiding taxable events while planning for or living in retirement is key to your success or failure. Unfortunately, many people look at taxes in the “rear view mirror” never considering tax strategies that may benefit in the years to come.
Remember there are two tax codes that govern our tax system: one for the uninformed and one for the informed. In all of your financial endeavors make certain you are the later.

Health Care-

It goes without saying that health care costs are a big part of the equation when it comes to your retirement years. Health care planning comes with a great deal variables, many of which are out of your control. Our focus will remain on the variables that are in your control working with your existing assets and protection products to help keep the looming risk of rising health care cost in check.

Legacy-

The final step in our process is legacy. There is one death per person per lifetime. We all have one coming. What legacy are you leaving behind? From the grandiose charitable inclinations to the simple effective transfer of assets to kids and grandkids, planning for that ultimate disposition is a key element at every step. For married couples, it is essential that the financial plans provide for both lives as it is likely one will outlive the other. Making certain that there are enough assets and income to provide for the surviving spouse beyond ‘til death do us part.

Guides & White Papers

We have written many guides for you to read through at your leisure. Download them, print them out and sit back with a cup of coffee to be knowledge about your money.

FInd Your Guide

Retire Confidently!

You’ve spent your life building up skills and knowledge from decades of work. Now it’s time to put them into action for a retirement that is meaningful, elegant and fulfilling–all without the hassle or stress. Let’s talk about how you can retire with confidence!

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