The Retirement Challenge

Many people preparing for retirement
and even in retirement:

• Don’t want to live a life of scarcity
• Are confused about the best time to start taking Social Security
• Aren’t sure whether to pay off their house mortgage
• Are confused about how Medicare works
• Are overwhelmed by managing different income sources and accounts in retirement
• Don’t know what they’ll do if un-expected expenses pop up
• Know nothing or very little about Required Minimum Distributions (RMDs)
• Are confused about the tax implications of taking money from multiple account
• Fear making a mistake when investing in retirement
• Don’t want to be taken advantage of when it comes to fees they pay a financial advisor.

If you have some or all of these worries about retirement, you’re not alone. It’s normal to be confused and un-certain when it comes to retirement topics. The good news is a solid, well-thought out retirement plan you can execute and maintain will rid you of these worries and it’s simpler than you might think. That’s where our retirement success formula comes in:


Create a retirement plan that fits you. What do you want your retirement to look like? Let’s paint a vivid picture of what your life will be when you retire. Where are you living? What are you doing? Who are you doing things with?


Implement your plan using all the tools at your disposal. You’ll invest for the short-term and long-term. Our goal is to free you from watching your retirement accounts.


You’re going to be retired for a long time and things won’t stay the same as they are today. Life is un-certain, and you’ll need to be prepared for life challenges and figure out a way around them.


Retirement Planning Phase is all about you. Your goals, hopes, aspirations, dreams and even your fears.

Comprehensive retirement planning answers three questions:

Where do you want to go?

Where are you now?

What are the challenges and obstacles to get you from A to B?

In this phase, we guide you to answer these three questions and then we jointly plan how to address the challenges and obstacles. Here are some of the issues we’ll look at in your plan:

• Timing
• Lifestyle
• Income floors
• Planned for expenses
• Pre and post-retirement health care planning
• Long term care planning
• Required Minimum Distributions (RMDs)
• Making the most of Social Security
• Effective tax planning
• Legacy plans
• Charitable giving

And many more issues we’ll jointly discover over the course of several planning sessions.

The Implementation Phase is the nuts and bolts part of our retirement success formula. Taking the retirement plan we jointly developed in the first step, we will guide you to implement the plan. For example:

• If you need to update your estate documents, we’ll guide you to take care of this with trusted referral partners.
• Long term care may require you to investigate options.
• If you need health care alternatives, we can guide you to resources.
• We’ll work with your tax professional to figure out the best way to re-arrange investments to minimize taxes.
• If charitable giving is part of your plan, we’ll provide resources and guidance in how to do this efficiently and effectively.

A critical element in implementation is arranging your investments according to the approach we use called “time segment investing.” This approach divides your retirement into several time segments, and we guide your investments accordingly. Think of this as a “bucket strategy.” Some investments go into the buckets you’ll use sooner, and other investments go into later time segments (buckets). The time segment approach to investing is explained in more detail in the Resources section of this website.

We believe in asset allocation investing using passive investment vehicles. Time after time, academic research points out the three things that matter most in investing success:

  1. No one can predict the future
  2. Diversification improves risk-adjusted returns
  3. Costs matter.
    Accordingly, we use Vanguard Exchange Traded Funds (ETFs) and DFA mutual funds to create your retirement portfolio and only trade securities to rebalance. But perhaps the most important factor in investment success is the human element. It’s difficult to mange emotions when it comes to investing and we understand that. Therefore, maybe the most important part of our job is guide you to be an intelligent investor and practice the three “P’s”:
    • Patience
    • Perspective
    • Perseverance

Investor Cycle of Emotion:

Adjustment Phase

Being able to adjust your retirement plan to take into account life events is the key to long-term retirement success. We will meet with you regularly to track your retirement portfolio and adjust your retirement plan to fit your changing needs.

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