Four Steps to Success

STEP ONE

Discovery

During our initial discovery meeting, we’ll get to know you, your family and your goals for the future. We’ll review your preliminary numbers and discuss what retirement might look like for you. But we’ll also address your most immediate needs: whether that is reducing debt, increasing your savings, or rebalancing your investments to reduce risk.

Discovery
Strategy

STEP TWO

Strategy

This step begins the first of several strategy meetings especially designed to put a finer point on your retirement. We’ll review many of these financial topics designed to help you retire successfully:

 

  • Pension and 401(k)
    We’ll review your company-provided estimates and determine if you can retire now, or if you should wait a while longer.
  • Taxes
    We’ll review ways to reduce your post-retirement tax bill.
  • Social Security
    You’ll be provided with a strategy that you and your spouse can use to potentially add thousands of dollars in lifetime income to your Social Security benefits.
  • Pre-retirement Investment Strategy
    We’ll help you develop an investment strategy appropriate for your retirement date.
  • Estate Plan
    We’ll review your overall estate plan and help you identify potential pitfalls. We’ll call on the expertise of CPA’s, attorney’s, and other professionals when such services are necessary.
  • Pre 59 ½ income planning
    If you are forced to make a retirement decision before age 59 ½, we’ll help design an income program that can allow you to avoid the 10% tax penalty for early withdrawals.

STEP THREE

Refinement

As your retirement date draws closer, we’ll refine our estimates and modify your goal projections as necessary. We’ll finalize a portfolio strategy that is appropriate for you.

Refinement
Implementation

STEP FOUR

Implementation

This is where your vision for the future can become a reality!

We will guide you through each step, ensuring that every decision aligns with your goals – whether it’s transitioning into retirement, optimizing investments, securing your estate, or adjusting for life’s changes.

With expert oversight, we’ll help you navigate the financial landscape with confidence!

Your future isn’t something to wait for – it’s something to build. Let’s make it happen.