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Retirement Planning Process


One of the most important components of any successful advisory relationship is truly understanding who you are as a person. With our Discovery Process, we focus on what is most important to you, both financially and personally. We will look at all the major aspects of your financial life, including your specific values and goals as well as your time horizon, income and liquidity needs and ability and willingness to take risk. Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals. As part of this step, we will also make a "Mutual Commitment" to working together and putting your plan in place.

  • Discuss our services
  • Discuss your retirement objectives and family goals
  • Establish a fee
  • Secure basic documents


In order for us to thoroughly understand your situation, we will take a comprehensive inventory of your current financial position, including strengths as well as any gaps or weaknesses. We will also analyze the effectiveness, composition and expenses of your existing portfolio. We will analyze specific items for action to make sure that your goals and financial objectives are aligned.

  • Formalize working relationship
  • Gather appropriate financial data, objectives and risk tolerance
  • Discuss and establish goals
  • Discuss attitudes, views, and concerns 

Retirement Income Illustrator

Our analysis will give you a clear projection of how on target you are towards your path to retirement. Through this process, we will break down the different avenues of retirement income and determine of any shortfalls exist. We think that an open, honest dialogue about your financial needs, beliefs, expectations and concerns is critical to any successful advisory relationship.

  • Detailed expense and income modeling
  • Pay stub, pension, and social security analysis 
  • Asset distribution and income planning
  • "What if" scenario modeling


Your plan is never static. That's why we'll make our Discovery Process part of our ongoing meetings, so that your plan always reflects your life. We will monitor your plan closely and provide you with clear and concise reporting. In addition, as financial markets rise and fall, your portfolio's exposure to stocks, bonds, cash and other investments will tend to fluctuate as well. Through periodic rebalancing we will make sure your portfolio maintains its target allocations. This helps control the level of risk in your portfolio and minimizes emotional decision making.

  • Customized retirement roadmap with recommendations
  • Ongoing reviews and team-based support and recommendations