Having a Plan

When it comes to retirement we want to know our money is going to last as long as we do. Did you know 9 out of 10 people retiring don’t know how to structure their assets so they will never run out of money? I advise those people to a completely successful retirement.

  • Custom tailored to you
  • Seamless transition into retirement
  • Income you can’t outlive
  • Peace of mind

My planning process will help you build a customized personal retirement plan that is easy to understand and execute. Whether just starting your first job, contemplating or already retired, this process is designed to create peace of mind about your finances and investments so you can have a completely successful retirement.

The Process

There may be several meetings involved in the process of building your personal retirement plan. Here is a look at what you can expect:


To learn more about your retirement needs and desires, I will gather some basic information about you (and your spouse or domestic partner if applicable) and your assets.

You will learn:

  • What my process is and how it can benefit you
  • What a completed retirement plan looks like
  • Who I am and what I do

Creation of Financial Plans Based on Various Options

Using your information, which can sometimes be done live based on how complex your plan is and if you have your information with you, I will make several financial plans. These plans will be give you options and be based on when you’d like to retire, and when you will begin drawing your Social Security and/or pension. One of these financial plans will stand out as the optimal solution that will be used to create your Comprehensive Financial Plan.

Your plan will identify:

  • What age you can retire in comfort
  • What you need to do to have a completely successful retirement
  • How to maximize your Social Security benefits
  • Your target interest rate for your investments – starting now
  • How long your money will last


Together we will take a short look at recent stock market cycles and performance to identify current trends and anticipated returns. I will detail the different types of investments available and help you select the ones you are most comfortable with to use in your Comprehensive Financial Plan.

You will know:

  • How we manage money
  • How we protect your money
  • Which investments you feel most comfortable with
  • Your risk tolerance

Customized Comprehensive Financial Plan

I will take your optimal financial plan and combine with your investment choices to create a Customized Comprehensive Financial Plan. Together we will review your plan, look for ways to improve it and further tailor it to your needs. Once complete, your Customized Comprehensive Financial Plan will serve as your guide to a comfortable retirement.

You will know:

  • How to get the most income at retirement
  • What the purpose is for your money
  • How to allocate your investments
  • Ways to reduce investment risk
  • How to start your plan

You will have:

  • Flexibility
  • A customized plan
  • A way to test the outcome of financial decisions
  • Accountability to you and your investment advisor
  • Peace of mind


I will prepare all of the paperwork to transfer any accounts you want to the investments you choose according to your Customized Comprehensive Financial Plan.


We will mutually agree on how often to review your plan and your investments.