These Are The Five Questions You Need To Answer Before Retiring

When is the right time to retire? Is it now?

Most people typically consider whether they can afford to retire; but it is a much more nuanced decision than that.

Choosing the right time for you to retire is a highly personal decision, which is about much more than the dollars and cents of being able to afford it.

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How much can you afford to spend during retirement?

How will you get the most out of life, without living in fear that you will run out of money before you run out of time?

There’s no prize for being the richest person in the cemetery.

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How will you spend your most valuable currency, your time?

A successful retirement encompasses more than how you’re spending your money, but how best to spend your time.

All play with no purpose can lead to boredom and a feeling of “is this all there is?”

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How will you maintain and grow your social network during retirement?

The importance of making new connections with people doesn’t stop when you retire.

As social creatures, we need to avoid isolation and loneliness which can create a higher risk of adverse health conditions and/or cognitive decline.

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Is your portfolio too risky for your financial plan?

The portfolio that helped you to create wealth during your career, may not be the right portfolio to help you to preserve wealth during your retirement.

The risk you’re comfortable taking with your investments may be different now that you don’t have a paycheck to rely on.

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Find out if you’re ready to retire.

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Here's What You Can Expect As A New Client

Your plan will be created during four meetings over the course of two months, which can be virtual, in-person, or a hybrid of both depending on your needs.

Click the bars or arrows for meeting details.

1. Welcome
At our first meeting we will learn more about you, introduce you to our suite of software, and begin the process of transferring your investment accounts to our management.
2. Investment
Your portfolio is structured to support the goals set forth in your financial plan. For this reason your financial plan and the investment strategy for your portfolio(s) will be presented at the same meeting. However, once your accounts are transferred, if we find that there are certain issues that require immediate attention, we will notify you with our interim recommendations.
3. Goal
Three to four weeks after the Preliminary Review meeting, we will review your cash flow and net worth statement, along with finalizing your financial planning goals.
4. Your Plan
One to two weeks after the Goal Setting meeting, we will present your financial plan including multiple scenario analysis, cash flow, inflation and rate of return assumptions. Our Investment Proposal will incorporate your risk tolerance, risk capacity and the requirements of your financial plan.
5. Follow Up
After you have had time to digest your plan, we will follow up to review questions and make modifications to your plan as requested. Thereafter, we would like to meet with you at least twice a year.

1. Welcome To The Firm

At our first meeting we will learn more about you, introduce you to our suite of software, and begin the process of transferring your investment accounts to our management.

2. Preliminary Investment Review

Your portfolio is structured to support the goals set forth in your financial plan. For this reason your financial plan and the investment strategy for your portfolio(s) will be presented at the same meeting. However, once your accounts are transferred, if we find that there are certain issues that require immediate attention, we will notify you with our interim recommendations.

3. Goal Setting

Three to four weeks after the Preliminary Review meeting, we will review your cash flow and net worth statement, along with finalizing your financial planning goals.

4. Plan Presentation & Investment Proposal

One to two weeks after the Goal Setting meeting, we will present your financial plan including multiple scenario analysis, cash flow, inflation and rate of return assumptions. Our Investment Proposal will incorporate your risk tolerance, risk capacity and the requirements of your financial plan.

5. Follow Up Call

After you have had time to digest your plan, we will follow up to review questions and make modifications to your plan as requested. Thereafter, we would like to meet with you at least twice a year.

Our Team's Commitment To You

  1. Your call or email will be returned on the same business day.
  2. Explanations that make sense to you.
  3. Recommendations that are in your best interest.
  4. Meetings done on your terms; virtually, in person, or a hybrid of both.
  5. Exceptional results begin with us listening exceptionally well to you.
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