How We Get You To Your Desired Financial Future

We use a four-conversation sequence approach — which can happen in-person or remotely — as outlined below, though the process can be condensed if desired.

There is no cost or obligation for visits 1 (Discovery) and 2 (Diagnostics). During these stages, our goal is to provide you with the framework you need to make an educated and informed decision. We want you to fully understand how we can help prior to paying us any fees or entrusting us with your hard-earned nest egg.

Discovery

Objectives:

  • Get acquainted
  • Discuss your goals, financial experiences, and more
  • Present our philosophy, principles, and processes

The purpose of this conversation is to gain a shared understanding of your desired financial future. Our team wants to learn about your financial picture, needs, priorities, and aspirations. We’ll ask clarifying questions to ensure we understand what peace of mind means to you and what will give you confidence that you’re on track to reach your financial goals and experience the lifestyle you desire.

The information exchanged will also help both you and our team confirm whether continuing to build a partnership is a good fit.

Diagnostics

Typically 7-10 days after Discovery conversation

Objectives:

  • Present initial Refined Retirement Review, our proprietary financial planning process
  • Identify areas where Refined Retirement can add value
  • Establish a mutual commitment to work together
  • Complete account transfer paperwork

You will receive a customized Refined Retirement Review plan about your current financial picture and vision for the future based on the information you shared during the Discovery phase. This custom financial plan provides a roadmap designed to help you achieve your desired financial objectives.

Our team will meet with you to present the proposed financial plan, discuss alternative scenarios, model “what if” scenarios, and offer additional recommendations personalized to your financial situation.

Design

Typically 7-10 days after Diagnostic conversation

Objectives:

  • Present our proposed Refined Retirement Review
  • Review and accept strategies and overall plan
  • Execute new plan and necessary paperwork

For you, this is the start of the paperwork stage. For us, it kicks off putting the plan into action.

You’ll experience our team’s expertise and commitment to service as we work alongside you to make this phase as smooth as possible.

The result will depend on your financial plan but typically includes opening investment accounts, applying for insurances, transferring or rolling over assets, addressing estate planning needs, and retitling accounts or properties.

Delivery

Typically 30-45 days after Design conversation

Objectives:

  • Review final Refined Retirement Review
  • Provide copies of all paperwork in an organizational binder
  • Give you Refined Retirement swag

Once your customized Refined Retirement Review is designed and the plan is implemented, we will meet with you to address any remaining questions. You will also receive copies of all relevant paperwork.

This stage represents the end of one process but the beginning of another, as we will discuss how frequently you'd prefer to touch base about the status of your plan and investments.

Tactical/Strategy Review

Cadence depends on client preference

Objectives:

  • Update the Refined Retirement Review as your needs and circumstances change
  • Provide ongoing, mid-course adjustments if necessary
  • Track progress toward your goals

This stage is ongoing, as our team strives to consistently demonstrate our value, integrity, and trustworthiness to you year after year.

Our team will continuously monitor your financial plan and proactively reach out to share portfolio updates, perspective on the markets, and suggestions for adjusting your plan if your financial situation changes.

We will work with you to determine your preferred frequency for formal financial reviews. You’ll also have anytime-access to a fully personalized online financial management portal due to Refined Retirement’s investment in innovative technology for financial planning and account management.

Most importantly, you’ll have a standing invitation to reach out to our team anytime you have a question, want to discuss what’s happening in the markets, or need guidance navigating the maze of important financial decisions during major life events.

Schedule a Free Assessment

Let’s get to know each other and determine if your goals match our expertise

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