We follow a strict, time-tested process to help ensure all aspects of your complete financial landscape are integrated into your custom retirement plan.

Better understanding leads to better decisions

Discover and Analyze

Our process begins by having conversations with you about your current financial situation, goals for the future, and any challenges or fears you may have about retirement.
Then we use this information gained to conduct a comprehensive analysis of your current finances, life expectancy, monthly budget requirements, account types, tax implications, estate planning goals, Social Security benefits, pensions, as the foundation of your customized plan.

Organize and Discuss

Once the analysis phase is complete, we organize each of your financial assets and provide you with a full picture of your entire financial life and identify all the potential areas of improvement.

Protect and Grow

After we have gained an understanding of what you have, where it is and your family’s particular needs, we walk you through an actionable plan to secure and protect the assets necessary to provide enough cash flow to cover all of your retirement expenses. 

We also have a budget conversation to determine if your retirement goals align with your current cash flow.

This is the phase where we ensure you will always have a roof over your head and income to cover medical bills, food and all the necessities of a comfortable life.

Put simply, you won’t need to worry about ever running out of money.

Once we have protected what you need we’ll concentrate on investment allocations to grow what you have.


We then run numerous risk tests on your plan, including a state-of-the-art Monte Carlo Analysis. Equipped with this analysis, we have one final meeting with your tax and estate planning professionals, to ensure we are all on the same page. Then we execute upon your investments in the appropriate, pre-determined order.


After your financial plan is in place, you can view it online at any time through our client portal. This is the window to your complete retirement plan and provides peace of mind.

Here you have access to state-of-the-art tools that allow you to conduct a risk test of your portfolio versus market volatility at any time. 

We will send market updates and current events to keep you up-to-date with the relevant information that may impact your investments or your plan.

We will follow up with quarterly phone calls to review your plan. But you can also make an appointment with us at any time. 

Finally, we hold an annual review meeting with you, your advisory team and your tax professional to discuss any changes that may impact your plan.