Broker Check



To give you a broad overview of your current financial status, opportunity, and exposure areas, define objectives, and then establish a plan for their accomplishment. Learn what to do now to help reach your goals for a comfortable and secure retirement. Or if retiring now, or already retired, the plan provides a determination of the sufficiency of your asset base and resources for the remainder of your life and an understanding of the latitude you may have regarding additional lifestyle spending or gifting to family, charity, etc. We assist in determining your key values and then develop a plan to help you pursue their accomplishment.

We provide practical guidance beyond when and how to get your Social Security benefits; but also little known, but important strategies for maximizing those benefits over your lifetime.

Our advisors understand that retirement planning is more than financial planning; so beyond giving you a clear picture of your financial lifestyle during retirement, we help you to assess your core values and preferences in non-financial areas of your life. This is to help you prepare for this major life transition into retirement. You get a clear picture of where they are (today) and a map to beyond.


  • Know what you need to do now to be able to plan your retirement. The confidence of determining or planning for your assets to be sufficient for how ever old you may live till.
  • Ease of decision making provided by having a clear framework within which to make good decisions and an understanding of the trade offs and alternatives available to you.
  • Know when it is OK to spend more and know to what degree you can afford to do more for your children or grandchildren before impairing your own security.
  • Maximize the chance of reaching your objectives with good solid strategy and diversified institutional style investment methods. Access to sophisticated alternative investment to lessen dependence on the economy and markets alone. Tax efficient strategies to minimize taxation so as to maximize accumulation.  Streamlining and simplification of financial affairs – for ease of handling and understanding.


  • Objectives, Preferences, Personal Profile: We help you to identify then pursue your most important values
  • Balance Sheet: Assets and Liability Inventory
  • Cash-flow Summary: Sources of Income, Expenses, Discretionary Income (Cash-flow detailed analysis if desired or necessary)
  • Income Tax: Profile, estimated tax level and bracket
  • Rental Property Overview: (up to 3) – Tax and cash-flow
  • Long term retirement projections: To determine saving rate needed to be on track for desired retirement income level and for assets to last through retirement
  • Retirement Funding Plan: Income plan by source and specific account
  • Asset Suitability Review: Related to your personal financial objectives
  • Investment Plan: Tax efficient master-plan to pursue your financial objectives
  • This incorporates RWTA 4 Part Strategy – designed to reduce dependence on economic growth and seeks to provide protection against market volatility
  • Estate Overview: Determine general status and if additional planning is needed
  • Long Term Care (LTC) Overview: Determine general status and if LTC should be considered
  • NOT included: Retirement Readiness Assessment, advanced real estate or asset analysis, detailed income tax planning, detailed estate planning, detailed LTC or eldercare planning, risk management – insurance review or planning (death, disability, medical, LTC), capital needs for death, disability or LTC, charitable planning, college funding etc. As additional planning or analytic needs are determined, they can be quoted separately.


Fee Based – Basis 1 - $995 - If you intend, on a non-obligatory basis, as needed to use RWTA to assist you with procurement of needed financial products and services related to plan implementation. In effect, this service is offered “at cost” with this alternative. No time limitation within specified scope of work above.

Fee Only - Basis 2 - $1,895 - If you wish for us to provide advice only and intend to implement on your own or through other channels. Limit of 12 hours. Should additional time be needed, it will be at discounted hourly rate of $155 per hour vs. average standard rate of $200.

SUITABILITY – For who is PATHFINDER suitable?

We limit the size of our client-base so as to be accessible to our clients and maintain high service standards. To help assure a good mutual “fit”, we have the following guidelines for whom this service is suitable:

  • Retirement is a priority and interest to you and your family.
  • Intention to retire within 10 -15 years or retiring currently or already retired.
  • Age 50 and up – with some limited exceptions.
  • You prefer advisor assistance vs. being a do-it-yourselfer. You prefer to have your time preserved for other interests, family etc.
  • You are interested in an ongoing long term advisory relationship to guide you through your financial life cycle transitions as you age.
  • Net worth of $1,000,000 to $5,000,000.
  • Family Income of $125,000 to $350,000 if still working.
  • Currently investable assets of at least $250,000.
    We may waive guidelines for children of clients and certain referrals from our current clients.

Additional compensation may apply in the form of commissions for purchases of individual stocks, bonds, and through services fees (12-b1) for mutual fund transactions. Fees, charges, and expenses are detailed in Cetera Advisors LLC’s ADV Part 2 A.


In some cases, meetings shown may be combined into one session or split between multiple sessions, as needed, to accommodate client needs.

  • Meeting 1 - Get Acquainted – Determine if we are a good fit to be your advisor. We answer your questions about RWTA and our background and ask you to tell us what your issues, concerns and preferences are and what you would hope to gain from an advisory relationship.
  • Meeting 2 - Fact Finding - Interview to discuss objectives, preferences, concerns, etc. and to gather numeric information – such as investment and bank statements, tax return, qualified plan information. etc. Decision is made whether or not to hire RWTA.
    MATERIALS - Meeting notes, sometimes draft of statements
  • Meeting 3 - Financial Statement and Analysis Review - Review of Financial Statements prepared and Analysis prepared – determine any additions, corrections. Objective is to have perspective and framework within which to make decisions.
    MATERIALS – Drafts of financial statements and projections
  • Meeting 4 - General Strategy Discussion - Review of strategy to accomplish objectives - generally at an overview and generic level. Discussion of general direction.
    MATERIALS – Written outline of plan
  • Meeting 5 - Financial Product Details - Confirmation on strategy and direction. Review of specific investment products in detail – advantages and disadvantages and risk factors MATERIALS – Product specific information.
  • Meetings 6 - Plan Implementation – We finish answering questions about financial products and strategies and begin implementation. Final adjustment and tailoring of your plan to your preferences. Subsequent meetings to finish as necessary. Schedule first UPDATE meeting.
    MATERIALS - Summary of final strategy adopted and complete list.

Investment in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. NO system or financial planning strategy can guarantee results. Therefore, no current or prospective client should assume that future performance or any specific investment, investment strategy or product will be profitable

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