Our Process


Your retirement strategy should be as individual as you are. Through our proven and consistent multi-step planning process, together we identify the attributes that are unique to your situation and apply the professional tools and skills to help you successfully achieve your desired quality of life in retirement and personal legacy plan.

Our approach is to first and foremost educate our clients on the risks, the opportunities, and the options available to them. We believe you should learn about all the pertinent options, not just some of them. Together we will develop a comprehensive, balanced personal retirement plan in which you can have confidence and peace of mind.

Throughout the process we will work at a pace that is comfortable for you. There is no hurry. At no time should you ever feel pressured.

Step 1: Investigation and Discovery 

When it comes to financial matters and planning for retirement, staying focused is essential. But before you can do that, you need to take stock of where you are today and where you want to go. Then we can build a road map to get you there.

The first step will be for us to get to know each other better. During this fact-finding stage we will ask a series of questions in order to find out more about your current financial situation, understand your risk tolerance, your priorities, and your goals for the future. If you are a federal employee, we also provide an overview of your Federal Benefits along with proven financial planning and retirement concepts that may be incorporated as part of our recommendations.


Step 2: Retirement Analysis Report & Personal Retirement Plan

Once we have all the data, we will run the first retirement planning scenario to get your current financial snapshot and outlook. This is where you will learn the risks and gaps, strengths and weaknesses of your current plan. Together with your risk profile and priorities in mind, this will form the basis for recommendations that will be tailored to your specific goals and objectives. From maximizing Social Security and Medicare to minimizing your tax liabilities, we look at how everything works together to optimize your retirement goals.

For Federal employees, reviewing your personalized Federal Impact Report is essential to understanding the benefits you are entitled to and utilizing those to optimize your retirement. We can then discuss areas of concern that could be enhanced from private sector options and solutions, which may enable you to take advantage of the best of both worlds.


Step 3: Plan Review & Implementation

By this time we will have educated you on options and strategies available that may be new to you or you may not fully understand. For most clients, this is a very eye-opening process.

Once we have evaluated and selected the best means to achieve your retirement goals and you have made the decision to proceed with the recommended solutions and strategy, we put your plan into action. Sometimes this is very straightforward and other times it can take some time. We prefer to do this in stages whenever there are multiple solutions or strategies to implement. In any case, we are with you through every step of the implementation phase to ensure that everything goes as it should and you are kept up to date on progress.


Step 4: Periodic Review and Adjustments

Periodic reviews are part of our quality and service commitment to provide ongoing, proactive financial oversight for you. Are your goals and objectives the same or have they changed for some reason? Are you minimizing your taxation liabilities? Want to know if you can retire earlier than planned? Your circumstances or world events can change over time or suddenly, so an ad hoc review may be needed. In either case, it is important to stay focused and on plan. After all, you are planning for potentially three decades or more of retirement.




Step 5: Sleep Well!

 Rest easy and comfortably and let your plan go to work. We will monitor it, apprise you of any new developments that are relevant, and of course we will be reviewing with you regularly.

Legacy and Advanced Beneficiary Planning

Do you have a Will? Do you need a Trust? What about Medical and Financial Powers of Attorney? If these are of interest to you, and they should be, through our strategic partners or others you choose, you will be able to put in place appropriate plans that will give both you and your beneficiaries peace of mind. This step will enable the proper and secure transfer of assets to your spouse, other family members or charitable bequests that are in accordance with your wishes. Your beneficiaries will be forever grateful that you made your wishes known so they can carry them out as you desired.