Our Proprietary Financial Planning Process
The individuals and families we serve value objective financial advice as they plan for and live their retirements or aspire to work-optional lifestyles. To support them, we have developed and REFINED a financial planning process that comprehensively addresses the relevant pieces of their retirement puzzles. We call it the Refined Retirement Review.
To bring all five of these pieces together into a cohesive plan, we:
- Use a four-conversation approach
- Coordinate with professionals in the following areas — and are happy to work with any existing professionals you have on your team
Income
We will evaluate all potential sources of your retirement income, including Social Security, pensions, and investments, to ensure they are stable and predictable. Our goal is to help you maintain your desired lifestyle throughout retirement.
Investment
This will be developed alongside your income plan. It outlines how we plan to allocate your assets and explains how our systematic investing process helps manage risk in your portfolio. This includes dynamically adjusting allocations by reducing exposure to asset classes or individual securities when they are in downtrends and maintaining or adding exposure to areas showing strength.
Tax
It is important that any comprehensive retirement plan include a strategy to help minimize taxes while maximizing tax efficiencies. The tax plan will outline how we intend to accomplish this for you.
Healthcare
We will create a plan to help you tackle the rising costs and confusion about healthcare options, as well as address long-term-care concerns.
Legacy
It is important to make sure any remaining assets you’ve worked so hard for go to your chosen beneficiaries, as opposed to probate or taxes. The legacy plan details the documents and actions needed for your situation.
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