Retirement planning services are tailored meetings that look at your current or potential Social Security benefits, your retirement accounts (if applicable), and your assets (if applicable) compared with your needs, goals, and hopes for retirement. Using all of that information, we plan your retirement.
There is no other way to do it.
Sometimes, leaders in financial institutions can make generalized recommendations, but in our experience, no two retirement plans are the same. It doesn’t matter if you are the same age, have the same occupation, and own the same amount of assets.
This process is extraordinarily unique. Personal to a fault. And that’s not a bad or a good thing. It’s just the truth of retirement. So, to best accommodate that uniqueness, we ask that you not get frustrated with that non-answer because it’s the truth.
We meet every single one of our clients exactly where we are—we have to.
Social Security Guidance
As a couple, there are over 1500 ways you can file for Social Security. There are also a ton of possible routes for individuals. So, it’s not uncommon for people facing their 62nd birthday to come to us wondering where the heck they go from here.
Social Security guidance consultations require a $50 holding fee that will 100% be returned to you once the appointment is completed. Why? Because we don’t want your money. We want you to have the best possible retirement experience, and we truly believe that is possible with us.
Annuity Refinancing, Our Calculator
We developed an annuity calculator that will tell you within seconds how much money you should be getting back from your annuity. Too many people step into bad financial agreements that clearly make clients the losing party…if you know what to look for.
Excuse me, but that’s bullsh*t. You worked your whole life for that money. It should have been working for you years ago. We can’t fix the past, but we can get you into a better-rated annuity TODAY. Try our calculator if you don’t believe us.
Retirement Planning, Get Our Roadmap
The definition we use for retirement planning or retirement services is always the same because, while your situation is unique, our path to success is not.
Understand what you want out of retirement Examine Social Security benefits Consider assets and investment Have a happy retirement! Yes. It really is that simple.
As Dan likes to say, we aren’t going to make you rich, but we will protect you from being poor.
where should i start
Where You Are Is Where We Start...
It doesn’t matter how you found us. It doesn’t matter what assets you have. It doesn’t matter where you are. As long as you are located in the United States, we can help you plan your retirement.
when should i start
There Is No Such Thing As The Right Time...
Some of you reading this have just experienced a terrible loss and are looking into widow’s benefit. Some of you are freshly retired and have never felt better. There are people reading this who have just found out they made a mistake with their Social Security timing and are feeling panicked.
We’ve seen it all.
And we want you to know that there really is no right time to think about retirement, to plan for when you aren’t here and your spouse still is, and to consider your income in the years ahead.
It’s never too early or too late to plan your retirement. And we really do mean that.
Our goal is your goal. The retirement you want—that you need—is what we are dedicated to creating. We know too many financial advisors and planners that take you along their path to success, to retirement, with very little consideration for what you actually want.
That’s not what we do.
Our metrics for success have nothing to do with how much money we make from you. We have no management fees. So, “the money we can make” is not a factor.
The only thing that signifies a job well done to us is you. Do you feel satisfied? Is this truly a better opportunity than the ones you had before? Do you have a plan for the money that will sustain you for the rest of your life?
That’s why we feel so confident standing behind our retirement planning services. We can only be successful if they work for you, your family, and your goals.
how do i?
How Retirement Planning Services Work, No Management Fees...
Retirement planning services should, at the base, work for you. No matter the process, you should feel comfortable, in control, and confident as you work through the planning.
And while there is no one way to retire, how we develop your specific plan is pretty standard.
step 1
Feel Dissatisfied With Financial Services/Situation
People almost always find us because they 1) feel like they got screwed over by someone in finance or 2) because they heard we do excellent work. Sometimes, it’s because of both. The third way people find us is through our YouTube channel, where we discuss all things about retirement.
But the theme is the same. People want a better option for retirement.
step 2
make an appointment, $50 holding fee
The next step is making time with our team that works for you and your schedule. You can book your appointment here or by using the “Book Your Appointment” buttons on our website.
Offering the entire internet a free resource for planning their retirement quickly turned into getting inundated with scammy people and bots who flooded our systems so badly we couldn’t find the actual appointments.
So, we ask for a $50 holding fee to 1) reduce the number of spam appointments and 2) because we value our time, too, and some people don’t show up.
PLEASE NOTE: Your fee will be returned upon completing the appointment.
step 3
bring your information
Before attending your appointment, we ask that you bring your most recent statements on investment accounts, any social security information, and your goals for retirement.
Please consider the following.
How much do you need to stop working?
What do you want your spouse to have access to in the event of your death? (Consider this for both partners.)
What are the assets you have available to you?
step 4
develop your plan
Retirement planning services mean nothing if you don’t walk away with a solid plan, so that’s what we work to develop.
step 5
have a happy retirement
Celebrate!
f.a.q.
Frequently Asked Questions...
01.
What is retirement planning?
Retirement planning is the process of creating a roadmap that compares expected costs to expected income during retirement, while working to eliminate unnecessary risks, fees, and potential roadblocks. By addressing core issues early, it greatly reduces the chance of plans going off course. With nearly 20 years of experience helping clients retire, it also involves using past lessons to help avoid common mistakes.
02.
Who needs to plan their retirement?
Anyone who plans to retire needs to plan their retirement. Without understanding what to expect, it becomes nearly impossible to make informed decisions when the time comes. Many people end up working longer than necessary simply because they didn’t know they could retire earlier. One of the most common questions asked is, "When can I afford to retire?" — and often, the answer is sooner than they realize or even past due.
03.
What is involved in retirement planning?
Retirement planning involves comparing your expected retirement costs to your expected income, identifying and eliminating unnecessary risks, fees, and potential roadblocks, and making sure your financial foundation is secure. It also includes learning what to expect in retirement so you can make informed decisions and avoid working longer than necessary. With the right plan, based on experience and avoiding common mistakes, you can stay on course and retire with confidence.
We like to start by maximizing your Social Security benefit and using that in tandem with other retirement assets, if that path works for you.
04.
How do you start planning for retirement?
We recommend looking for the most well-rounded and tenured resource on the topic of Social Security—please note that this is not the Social Security Administration. They are trained not to give specialized advice, which means that taking a look at the nuance around your position is not possible. Once you find a trusted source, consider your income requirements while comparing your benefits with other retirement assets.
05.
Is a 401k a retirement plan?
No, a 401k is not a retirement plan. Many people mistakenly believe that having a 401k or IRA means they are fully prepared for retirement, but that's not true. While these accounts are geared toward retirement and offer tax advantages, they are just piles of assets. A true retirement plan involves creating a strategy to turn those assets into income and understanding what that income will need to cover. Without that plan, you don't actually know what your retirement will look like.
06.
Does my spouse affect my retirement plan?
Absolutely. It’s very important to consider your spouse while you plan your retirement. Not only should you consider a retirement plan for the two of you together, but you should also consider what either of you will do if one of you passes away before you plan to.
Coordinating spousal Social Security, pensions, investments, etc, all impact retirement and need to be taken into account when deciding when to retire.
07.
What are the first steps of retirement planning?
We like to start with Social Security benefit examination to see if maximization is possible, then we move on to analysing other retirement assets (if they exist).
