Complimentary Discovery Call

If you would like to experience a new sense of confidence and optimism in your finances, then we would love the opportunity for a 20-minute zoom or phone call to get acquainted and discuss your unique circumstances. We’ll listen to you as we explore your goals, priorities, preferences, and any obstacles -or opportunities –  you may have. We’ll also discuss a possible partnership going forward and mutually establish what your expectations are for us and if we are the right fit for you.

We encourage your questions and welcome your challenges.

Exploration & Preliminary Planning

If we decide to move forward in our first meeting, we’ll take a deeper dive into your financial situation. We will focus on listening to your personal goals and dreams. As we have a more detailed conversation about your personal and financial goals, we’ll start sketching a preliminary plan. The more open and transparent this phase is, the better we can serve you and help you meet your retirement income objectives.

We want to understand you as an individual so that our recommendations are targeted towards your specific vision. Not only do we want to understand your financial goals, but we will also briefly evaluate what barriers may be coming between you and the achievement of those goals.

We start with a retirement cash flow analysis and a Social Security Maximization or Optimization plan. 

We strongly believe that income is at the heart of retirement planning and that those couples and individuals with a steady, predictable income and low, or no risk investments can enjoy retirement more than those chasing a “high return” from the stock market.

We do believe equities have a certain place in retirement income planning and would be happy to discuss an approach that works for each individual.

Detailed Planning

Now that we have a foundation, we can deliver an easy-to-follow roadmap in the form of an initial plan. 

Our objective is to provide you with the guidance and understanding you will need to successfully move through retirement without financial worries or setbacks. We provide a simple one or two page plan summary to be our guide moving forward.

The plan will address the areas that are most important to you, and outline the steps needed to overcome potential obstacles. Your plan will start with your lifestyle needs and use whatever tools that are available to grow your wealth consistent with your beliefs, current goals, and long term objectives.

We want to help you reduce risk and taxes while growing your wealth predictably without the huge impact of stock market swings.

We want you to understand what we are doing, why we are doing it and how we are doing it. There is no investment jargon or difficult concepts. We keep it simple and understandable. 

You can be as involved in managing your money as you choose to be. Most of our clients want to know their finances are doing well but don’t want to worry and check the “market” everyday. It is our privilege to make you feel comfortable about your financial
future and available if you need us. It is our objective that our collective efforts will allow you to enjoy life without financial worry.

Periodic or Annual Updates

We like our clients to be updated at least annually with an annual review. It is usually a zoom call that takes 15-20 minutes but both frequency and duration are your choice.

Key Milestones and Events

Planning for major capital purchases, college for the kids, and
life changing events is what we do. Let us help you by reducing the stress of uncertainty. We, together can plan for these events and fold them into your overall plan without creating major interruptions in your long term objectives.

Health and Long Term Care

Any good retirement plan can be impacted by health and Long Term Care (LTC) issues. No amount of planning can foresee every obstacle, but LTC is a frequent issue for many retirees. Statistically speaking 70% of all people entering retirement will need some level of long term care in their lifetime so it is wise to address LTC and other health issues. We will integrate an efficient plan for LTC within the confines of available resources and address other health concerns. Using this holistic approach will offer the most comprehensive plan to insure your smooth retirement.

Some things cannot be planned for.  Lives can be subject to change. We want to help you at times of need and will always be just a call, text or email away.