Are You a Baby-Boomer Near or In Retirement?
If you are looking for optimum distribution strategies, portfolio design, tax planning, or other retirement planning assistance, we are the financial professional to help you develop a PLAN and be your Guide.
We can help you "Visualize Your Retirement Possibilities" and chart your course toward a Purposeful Retirement™.
Contact us to set up a no-charge/no-obligation consultation.
We Are a Fee-Only, Fiduciary, and Independent
Financial Advisory Firm
Financial Advisory Firm
What We Do
We offer financial planning and retirement planning services on a Fee-Only model. Meaning we are a fiduciary and do not sell commissionable financial products. We are independent and not tied to any specific "in-house" solution.
Through our service-for-fee model, we serve as a professional analyst to develop a personalized Retirement Plan, based on your needs and goals.
Through our service-for-fee model, we serve as a professional analyst to develop a personalized Retirement Plan, based on your needs and goals.
Provide Clarity to a Foggy Retirement Vision
Having a purpose in retirement has been known to have many benefits including better relationships, health and longevity. We help you explore your natural abilities and spiritual giftings to craft the type of legacy you want to leave behind.
Our self-help Purposeful Retirement™ eGuide can help you in the comfort of your own home. Take ownership of what you want to do and who you want to become during this exciting chapter of your life!
Get the eGuideOur self-help Purposeful Retirement™ eGuide can help you in the comfort of your own home. Take ownership of what you want to do and who you want to become during this exciting chapter of your life!
Analyze your Financials to Develop a Retirement Plan
We use incredibly powerful financial planning software to analyze your financial situation, create projections over a 30-year retirement time horizon, and craft various retirement scenarios - essentially enabling you to Visualize your Retirement Possibilities.
Retirement Planning VideosAnswer your Key Questions on Retirement
Throughout the Planning process we will be able to answer your retirement questions, such as:
- When can I afford to retire? What is my "retirement number?"
- When should I claim Social Security?
- How will taxes affect my retirement income? Are Roth Conversions right for me?
- How should I invest once I retire?
- How do I plan for healthcare costs in retirement?
- If I become a widow, what happens now?
Who We Serve
We serve clients from all walks of life. Our specialty is serving those that are near or in retirement and have an appreciation for the technical analysis that we provide. Typicall that includes engineers, IT professionals, medical professionals, and business owners. We also have a heart for women that want to gain financial wisdom from a financial professional.
Pre-Retirees and Retirees
Those near or in retirement that want or need a “guide” and a PLAN
Business Owners
Providing exemplary Planning solutions for business owners and high net worth individuals
Engineers / Medical / Tech Professionals
You’ll appreciate our depth of technical analysis
Women
Empowering women with greater financial wisdom and confidence
Get the eBook, "Women and Retirement" and take charge of your retirement roadmap.
Get the eBookWho We Are
Our Mission
We are on a mission to help ease your anxieties about retirement, to help you visualize your retirement possibilities, and guide you towards your Purposeful Retirement™
Our Credentials
Retirement Income Certified Professional®
Master of Science in Finance
20+ years serving families
10+ years Retirement Planning
Master of Science in Finance
20+ years serving families
10+ years Retirement Planning
Our Retirement Planning Process
Getting Acquainted
There is a no-cost, no-obligation meeting that we can jointly use to determine if your particular needs fit within our business philosophy and technical capabilities. This can be in-person, telephone, or via web meeting.
We will discuss your personal situation and needs. If appropriate, we will send you a Client Service Agreement for your review. You will know what services you are getting and the service fee.
We will discuss your personal situation and needs. If appropriate, we will send you a Client Service Agreement for your review. You will know what services you are getting and the service fee.
Onboarding and Discovery
Once we have jointly signed a Client Service Agreement, we will begin Onboarding and Discovery. We start with your current financial situation and ask a lot of questions about your needs and goals. You may need to provide PDF statements and documents and enter your basic information into our Planning software.
We'll have one or two discovery sessions to review your financial data, discuss your retirement scenarios and review your Purposeful Retirement™ profile before we start your Retirement Plan development.
We'll have one or two discovery sessions to review your financial data, discuss your retirement scenarios and review your Purposeful Retirement™ profile before we start your Retirement Plan development.
7 Pillars Retirement Planning®
We distinguish ourselves from other Advisory firms by our battle cry: "Planning First!" before we ever make a recommendation.
These are the 7 main pillars that we believe will make for a well-rounded Retirement Plan:
- Establishing a stable Income Plan
- Portfolio Design and Investment Plan
- Tax Planning
- Understanding Your Risks
- Health Care options
- Long-Term Care funding
- Estate and Legacy Planning
Collaborative Reviews
During our analysis work, we'll get an idea of how your retirement scenarios will play out for you. We'll schedule one or two collaborative review sessions to review those retirement scenarios with you.
Personalized Solutions
During our review sessions, we'll get an idea of what type of financial solutions are best for you. We'll explore questions such as:
- Can you manage withdrawals from a portfolio?
- What type of portfolio is best for you?
- Are annuities a better fit for you?
We will craft a Retirement Income Plan that is right for you.
Purposeful Portfolios™ Design
Included in our solution recommendations will be a carefully designed Retirement Investment Plan based on your needs, goals, and Risk Tolerance and also aligned with your Purposeful Retirement™ profile.
The portfolio may consist of a Core plus a number of Satellites available to mix and match to meet your values objectives and our technical evaluation.
The portfolio may consist of a Core plus a number of Satellites available to mix and match to meet your values objectives and our technical evaluation.
Plan Delivery
After all the technical analysis and collaborative reviews have been completed, we will review our findings with you and generate your Initial Plan. We will provide a written report that includes:
- Observations
- Risks
- Recommendations
You will have access to the Planning software portal so that you can review your Retirement Plan 24/7 from the comfort of your own home.
During this meeting we will also discuss if On-Going Planning or Investment Management is right for you.
During this meeting we will also discuss if On-Going Planning or Investment Management is right for you.
Investment Management
We believe that security of your assets is paramount and low-cost investments is in your overall best interest. That is why we have selected Charles Schwab as custodian of your assets, if you choose to do investment management with us.
Learn more about how we integrate investment management with retirement planning...and our low-cost flat fee structure that aligns for our fiduciary model:
On-Going SupportLearn more about how we integrate investment management with retirement planning...and our low-cost flat fee structure that aligns for our fiduciary model:
Already Have an Advisor? Perfect...
When was the last time you sat down with your Advisor and had an eye-opening conversation about your money, life, and goals? If it’s been a while, it may be time for some great advice from a trusted fiduciary source that is not selling product. As a fiduciary not selling products, we can give you an objective view of your financial situation.
We are a great 2nd opinion. We can perform a one-time "Plan Only" service to help you determine if you are on track with your retirement goals. No need to move your money away from your current custodian - Your money can stay right where it's at!
Schedule a 2nd Opinion Appointment
Schedule a 2nd Opinion AppointmentThere is no-cost and no-obligation to schedule your first 30 minutes to review your situation, discuss your goals, ask us questions, and determine if we're mutually a good fit together.
Our 3-Step 'Start My Plan' Experience
Step
1
Schedule a Consultation
This is a 30-min no-charge/no-obligation to learn about you, your finances, and your goals. We'll establish mutual expectations for the services work to be performed
Step
2
Provide us your Information
If there's a good fit from Step 1, we'll send you the services contract with what is to be performed and how much it will cost. You can begin to send us your detailed information
Step
3
Collaborative Planning
From the information you provide us, we will prepare multiple collaborative meetings to review data, show analytic results, and present a report with observations and recommendations
Get your retirement planning journey started today
No-Charge and No-Obligation
Visit the "Start My Plan" pageNo-Charge and No-Obligation
Schedule a Consultation
Contact Us TodayThere is no-cost and no-obligation to schedule your first 30 minutes to review your situation, discuss your goals, ask us questions, and determine if we're mutually a good fit together.