What’s Your Plan?
CLEAR Direction for Your Retirement®
from Trusted Financial Advisors
Your retirement could last for 20, 30 or even 40 years. Sadly, most American’s spend more time planning for a two-week vacation than they do for their retirement. If you want to make the most out of the best years ahead of you, we think the best place to start is planning with the end in mind.
Think of planning for retirement as a mountain climbing expedition.
Most people don’t realize that the majority of climbing accidents happen on the way down the mountain, not on the way up. Many do well ascending the retirement mountain and accumulating wealth, but then attempt to navigate the descent into retirement without any adjustments.
Looming risks like market volatility, taxes, long-term care and many others must be planned for and dealt with differently in the retirement descent phase of life. Our advisers guide you through our CLEAR Process that addresses the Five Critical pieces of a retirement plan. See our video’s below to see how evaluating and making course adjustments can give you CLEAR Direction toward a more rewarding retirement.
The Five Critical Pieces
Every successful retirement strategy must coordinate each of the five critical areas:
Puzzle Piece #1
Income Planning
Puzzle Piece #2
Tax Planning
Puzzle Piece #1
Investment Planning
Puzzle Piece #4
Insurance Planning
Puzzle Piece #5
Estate Planning
Our CLEAR process guides you to develop a coordinated retirement plan unique to your situation and goals.
Three Steps to CLEAR Direction
Discovery
Session
In this introductory meeting, we’ll get acquainted with your goals, priorities, and concerns while conveying our core competencies and the scope of services we provide. This is a fact-finding meeting to become intimately familiar with your current financial situation and help you build the framework for your financial game plan.
Diagnosis and Recommendations
In this planning session, we present our findings regarding the analysis of your current retirement plan; explore “what-if” simulations to help you understand how alternative income, expense, tax, and investment-return scenarios impact your retirement goals; and, provide our recommendations to solve any potential problems we’ve uncovered.
Running Your
Plan
Based on the recommendations we’ve made, we’ll schedule additional meetings as needed to address each of the five puzzle piece solutions. Working with you is not a one-time “set it and forget it” process. We’ll keep you apprised of how your plan is performing through ongoing communication including, regular reviews, email communication, and educational events.