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  • Am I ready to make the decision to retire?
  • Do I have enough income to live on?
  • How much money can I safely take out of my savings each month?
  • What effect does inflation have on my income?
  • When do I start Social Security?
  • Do I start my pension right away when I retire?
  • Do I have all of my estate documents updated and filled out correctly?
  • Am I going to leave part of my estate to my children?
  • Is my spouse going to be financially okay when I pass away?
  • What happens if I or my spouse has a long-term care expense?


As you get nearer to retirement you start asking yourself questions like the ones listed above. We tell clients that when they retire, they just entered the longest time in their life that they will be unemployed! Are you ready? Do you want to know for sure, before you resign from your job or sell your business?

RELAX- WE CAN HELP! The whole point of Retirement Income Planning is to help you decide when you can retire and have the confidence that your retirement years will be as enjoyable as you always dreamed about! We will help you answer these questions so the stress of making this decision will be eliminated and replaced with joy.

DON'T WAIT! Many clients tell us that building their retirement plan was one of the most impactful events they have experienced and wished they would have done it sooner.

We invite all potential clients to have a 1-hour complimentary meeting with one of our advisers to learn about our process for Retirement Income Planning and answer any questions they may have. We follow the seven step Certified Financial Planning process recommended by the Board of Certified Financial Planners™.

  1. Understanding Your Needs – Understanding and learning your personal and financial circumstances. We set expectations of each of our responsibilities, including the services we will provide.
  2. Identify and Select Your Goals – Discovery and exploration of your goals, both personal and financial. This includes gathering the necessary documents to understand your current financial picture.
  3. Analyze Current Course of Action – Gain insight from you, the client, as we analyze your current and potential course(s) of action. We take a deep dive into where you are today and weigh different options to achieve your goals, this is a very collaborative process.
  4. Develop Plan Recommendations – We develop an action plan based upon insight gained from our last meeting and develop financial planning recommendations.
  5. Presenting Plan Recommendations – Present your personal action plan and review with you, the client, to ensure understanding. Together we will determine who oversees each action item and the recommended timeline.
  6. Implement Plan Recommendations – Take action to implement the agreed upon action plan with regular check ins from our team.
  7. Monitor Progress – Maintain action plan into the future. Our team will provide support as necessary and we are available for annual updates of your plan.

The full version of the CFP® Board’s Code and Standards can be found by CLICKING HERE

Retirement Income Planning is a stand-alone service we provide to our clients. It is not required that you transfer your investments to our firm in order for us to develop a written plan for you. Should you decide to ask us about our investment management services we would then explain how the firm builds and manages the portfolios that match the recommendations in your plan, and how your portfolio results link directly to your plan so we have a daily update on your plan status.

If a decision is made to proceed with creating a plan then the client can typically expect three meetings to be scheduled with each meeting to last approximately one and a half to two hours.

First Meeting:

The first meeting we ask the client to bring in all of their Social Security Statements, pension plan reports, tax, loan, investment, insurance, and estate documents. We will make copies at our office a return the originals to them before they leave the first meeting. During this meeting the adviser will emphasis the income and budgeting aspects of the pre-retiree's life. Does the client know how much they spend each month? Do they know what expenses will be eliminated at retirement and which new expenses will be added? The adviser will ask the clients to discuss their goals including any desired legacy or gifting plans. Next, the adviser will conduct a document review. This is to make sure we have a complete understanding of the client's current financial life.

Second Meeting:

The second meeting is when the adviser gives the client their first look at how close they are to attaining their monthly income goal. Many times, there is a gap between the client's resources and their goals. During this meeting the advisor will show several alternatives on how you can prioritize your income and expense needs so you will be confident that you will meet your goals when you decide to retire. This process is also very valuable for people that have already retired and is a process we complete every year for our clients to make sure they have enough income for all of their retirement years. This is YOUR plan and it is our job to help you succeed. By the end of this meeting the goal is to make sure the adviser has accounted for all of the client's resources and documents correctly in the plan and the client has reached a decision on their income and living expense goals for their initial Retirement Income Plan.

Third Meeting:

The final meeting is when the adviser delivers the Income Retirement Plan to the client. The adviser will review the plan with the client again and then discuss the recommendations and action steps. The action steps are included so the client has a checklist of 'to-do' items to make sure the plan is implemented as intended.

 We're not done! 

At this point many firms send the client on their way and leave it up to them to follow the plan. Not us. In addition to the action steps, we will schedule the client for annual follow up meetings. During these meetings the client's goals, resources and documents will be updated to ensure the client is still on track with their plan. It is during these annual updates that we adjust if the client's income or expense goals have changed to keep them on track with their plan. Clients find that after the first few years of reviews they are able to refine their income and living expenses and feel confident in their financial future.

You may also fill out the form below if you would like more information on how we can help you in Planning for Today & Tomorrow.