Retire with Clarity and Confidence
Prepare for a stress-free retirement — with smart planning.
- Why Planning Matters
Retirement is filled with new decisions you've never made before.
Decisions like:
- When to take Social Security?
- What Medicare options to choose?
- Whether Roth IRA conversions are a good idea?
- How to avoid getting blindsided by a market crash
- How to make sure your spouse is taken care of if you pass away.
- We help you answer those questions
Using a Simple 3 Step Process called the
“Retirement Readiness Review”
1. Know Your Number
Retirement planning is a waste of time if you don't know some basic numbers.
The 4 numbers you must know are your: INCOME, EXPENSES, ASSETS, and DEBT.
In this step we help you get organized and make sure your numbers are up to date and complete.
This will be your start line.
2. Goals and Assumptions
This step is all about understanding what you want in the future and when you want it.
This could be anything from when you want to retire to buying your next car.
Your goals will help you give your money purpose and direction.
Once we know your numbers and know what you want, you're ready for step three.
3. Strategy and Testing
This step is where the magic happens. First, we will test your current plan, based on your current numbers and goals
Then we start testing alternatives. We test things like, taking Social Security at different ages, whether to pay off your mortgage, or whether to do Roth conversions.
If you find the alternatives are better and more in line with your goals, we will create a step by step action plan you can follow to implement the strategy you choose.
This step is where clarity, confidence, and peace of mind are built.
Important: Our process is designed to put you in the driver’s seat of the planning process. We use our world class planning tools to help you clearly see the potential effects of different decisions on paper, before making actual real-life decisions.
Are you a fiduciary?
Yes. I’m a fiduciary, which means I’m required to put your best interests first when giving financial advice.
How do you get paid?
Every client starts with a Retirement Readiness Review, which starts at $5,000.
This is a paid financial planning engagement designed to create a clear baseline of where you are today and help build a meaningful plan for your retirement future.
The Retirement Readiness Review helps evaluate important questions like when you can retire, how much income you may need, how your current strategy is positioned, and what decisions may need to be made before you leave your paycheck behind.
The good news is that you do not need to move your money or buy financial products to complete the review. The purpose of the review is to give you clarity, test your options, and help you make more confident decisions based on your actual numbers.
If additional services are appropriate after the review, such as ongoing financial planning or investment management, those services and costs will be explained clearly before you decide whether to move forward.
How are you different than other financial advisors?
We will likely feel different than many other advisors because we aren’t in a race to sell you products or move your money. Our goal is to help you gain clarity and confidence using side by side testing and proof, before talking about investment strategies or products.
Do you work virtually or in person?
We work with our clients 100% virtually.
Do you manage investments or offer insurance products?
After completing the Retirement Readiness Review some people want help implementing their new plans with us. If appropriate, we have full investment management and insurance services capabilities.
- Frequently Asked Questions
