A 3-step process to help you Evaluate our Services and make an informed decision about working together.
We do our best work with people who are retired or approaching retirement.
Diligent savers with investments over $1 million. (Excluding real estate.)
People who want to work with a trusted partner to co-create an amazing future.
A 30-minute phone call will give us both a chance to make sure your situation matches our expertise.If not, we will help you to find someone who is better suited to your needs.
The next step is virtual meeting with our team. During this 1-hour meeting, our team will develop an understanding of your retirement goals, concerns, and aspirations.
We will have 1.5-hour meeting to review our findings and explain in plain English exactly what you can do to create a retirement income stream, improve your retirement plan, lower taxes, and optimize your investments for the next phase of life.
At the end of this process, we will simply ask you to think about it. We are looking for long-term relationships, not a quick transaction. If you decide that we aren’t a good fit, we will happily help you find another professional with the right expertise. There is never a hard-sell or pressure to say "yes."
1. An answer the question "When can I retire?" 2. A thoughtful investigation of your Values and Goals for retirement 3. A one-page Snapshot of your complete Financial Life 4. Your annual retirement income clearly spelled out in dollars 5. Identification of the Sources of your Retirement Income over time 6. An Investment Portfolio designed to meet your retirement needs 7. A Sustainable Portfolio Withdrawal Plan 8. An Optimized Social Security claiming strategy 9. An Estimate of future Tax Liabilities 10. A Tax Planning Strategy that can save potentially hundreds of thousands of dollars in future taxes 11. A Strategy to address Long Term Care needs 12. An estimate of the Estate that you will leave to your heirs
After the 30 minute intro call we will have 2 meetings lasting about 1 hour each with a week in between to prepare the assessment report.
Yes! We have clients all over the United States. We are able to meet with clients and potential clients through video conferencing software. We can share documents confidentially through a secure online vault.
We are a commission-free (fee-only) retirement & tax planning firm. Our clients pay us directly. Our fees are transparent & simple to understand. We do not sell financial products or make commissions. One transparent fee includes the management of all your investment accounts and ongoing retirement and tax planning. We strive to create a personalized reliable retirement income solution, lower your taxes, invest smarter, and help you to have peace of mind.
We do our best work with people looking for a long-term relationship. Currently, our firm is not equipped to offer an hourly fee schedule. However, we offer a one-time project fee option. Learn more about the Retirement Roadmap Package on our Services page.
There are a few really important things about our firm that separate us from others: 1. All we do is retirement planning. We are retirement specialists with a simple goal of making sure that your money supports your life for the rest of your life. 2. We limit the number of new clients we take on to deliver personalized service. 3. We use evidence-based research in developing financial plans and investment solutions for you. 4. We invest in industry-leading technology to simplify our client's lives and make retirement easy.
Great question! But first, let us explain why you shouldn’t hire us. If you’re looking for an advisor who will trade stocks to “beat the market,” you’re in the wrong place. We focus on things we can control. So if you’re interested in things like lowering your tax bill, investing smarter, creating a reliable income stream, and enjoying a meaningful fulfilling retirement, you’re in the right place.
In reality, fewer than 1% of mutual fund managers consistently beat the market based on superior market-timing or stock-picking skills. The truth is that beating the market is just not important. What’s important is developing an investment strategy that will achieve your goals and is aligned with your tolerance for risk. We can help you to do that. The key elements of this approach include low costs, diversification, appropriate risk-adjusted return, and limited trading. See our Investment Philosophy for more information on how we approach investments.