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Your Ideal Retirement

We are specialists in retirement planning. We are here to help our clients
determine their ideal retirement, provide a blueprint to work towards it, and
be with them every step of the way on that journey.

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Your Ideal Retirement:

What does your ideal retirement look like to you?

Family, Grandchildren, Friends, Travel, Hobbies, and more? We can help you figure out what is important to you and create a plan to pursue it. While many firms specialize in accumulation planning, we, unlike many firms, are specialists as well, in distribution planning. With over 40 years of experience guiding our clients through retirement and with our founders specialized designation as a CRPC™ (Certified Retirement Planning Counselor), we help you create a custom path toward your ideal retirement. We have advanced education and experience in retirement planning that goes beyond our certifications. Retirement planning is almost all we do – to help enable you to do anything you want to do!

Further, if you need help in discovering your ideal retirement our Fit to Retire system and our Certified Retirement Coach (CRC™) are available to assist you.

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How We Work

We provide retirement-focused financial planning services primarily for working professionals preparing for their future and retirees seeking a secure and enabled retirement. We work with you on each step in the process to empower your retirement, your way.

Discover

First, we help you to clarify your most important values, priorities, and objectives.

Perspective

Next, we provide a detailed overview and modeling of your current financial circumstances and introduce you to alternatives to consider.

Plan

We provide a written plan to help you pursue the achievement of your objectives. We determine what steps you need to take now to be on a path toward a comfortable and secure retirement

Monitor

We diligently monitor your portfolio to track progress and make adjustments when needed to keep you on course to your retirement goals.

We specialize in working with you from planning for your retirement, to guiding you through the various life-cycle transitions thereafter. We aim beyond merely financial planning and seek to help you plan your lives as your trusted advisor. Our goal with each client is to develop a trusted, long-term relationship, hallmarked by thoughtful, highly personal, and responsive service.

Areas of Financial Planning

Retirement Planning is Our Passion

We are passionate about enabling clients to have a secure, happy, and comfortable retirement. To us, financial planning and financial independence are all about providing freedom and choices. We are driven by using financial independence as a means to achieve freedom and flexibility, not just as a means to buy more things. We believe high levels of systematization and process and a strong network of related professionals are necessary to help us deliver on these objectives.

Unlike most firms, we have our Fit to Retire system and Retirement Coaching services available, at your discretion, to help you discover what your ideal retirement would be for you. We recognize it takes more than money to help assure a successful retirement.

Fit to Retire

Are you fit to retire? Retirement readiness is more than an algebraic equation or financial measurement, it is a strategic roadmap to help guide you to and through a successful retirement life. It includes an initial assessment, the Pre-retirement Checklist, and the 100-day Playbook, which address the non-financial dimensions of a successful retirement.

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Retirement Transition Coaching

We offer Retirement Transition Coaching through our Pro Network member, Joyce Howell, who is a Certified Retirement Coach (CRC™). Retirement Transition Coaching helps you to prepare for the emotional, physical and health-related dimensions that are a part of retirement readiness by helping you to objectively address the six areas of life: Career/Work, Health, Financial Behavior, Relationships, Social and Personal Development.

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The Pathfinder™

Our flagship tool gives you a broad overview of your current financial status, opportunity, and exposure areas. It defines your financial objectives and establishes a plan targeted to their accomplishment.

It typically is a six-appointment process and includes asset and liability statement, portfolio income analysis, cash flow analysis, tax analysis, long term retirement planning, survivor planning, elder care planning, and estate review. It may include employer benefits review and rental property analysis as well.

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Advanced Time Segmentation®

We are affiliated with a nationwide network of financial planners equipped with tools and systems to apply an exclusive approach to retirement distribution planning. Advanced Time Segmentation is a strategy that segments retirement assets into categories based on the expected period of time in retirement and when the assets are needed to generate income. Many advisors maintain a similar strategy during the distribution phase, as during the accumulation phase. We believe doing so can have serious drawbacks and risks and believe these two different phases require different strategies.

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Our Clients Are Our Top Priority

Our passion is helping provide first a blueprint, then assisting our clients each step of the way on their journey to their ideal retirement. Our approach largely follows the Certified Financial Planning Board’s six-step process which can be found here: Let’s Make a Plan.

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