Which Would You Rather Have, An Advisor, or A Full Planning Committee?
What We Do
Every family who works with us goes through the same six-step RetireRight™ process.
Every plan is custom built with you, your family and the life you want at the center of every decision.
If your ready for the planning experience you deserve, you’re in the right place.
Building A Lifetime Partnership.
Step 01 - Getting Acquainted
Before anything else, we have an honest conversation. We need to explore; what brought you here, where you're trying to go, and can we help you get there? There's no sales pitch, and no pressure. Just a straight forward conversation that helps us both decide if we're a fit.
Step 02 - Uncovering What Matters Most
We follow a thorough process that begins with building your biography. We want to know everything we can about your dreams, your fears, your family and what what inspires you. This becomes the foundation of you plan. Then we dive into the technical side and relationship with money. Put simply, we ask for more because we want to deliver more.
Step 03 - Building a Clear Picture
Using everything we learned, we build your plan which creates a a clear picture of your financial future. Coordinating income, taxation, investments, healthcare, and legacy into a cohesive strategy that helps you see how the decisions you make today can impact your family tomorrow.
Step 04 - Exploring What’s Possible
Once the plan is built, we explore what's truly possible. What does it look like if you add a once-in-a-lifetime trip, spend more on your grandkids or buy a vacation home. We provide framework, you provide the dreams.
Step 05 - Bringing Your Plan to Life
Once the planning is complete, we'll take it the rest of the way home. From account activation to coordination with everyone on your financial team, we handle the logistics while you kick back and relax.
Step 06 - A Partnership That Grows With You
After we go live, your plan isn't just filed away. It's a living breathing document. With regular reviews, timely adjustments and consistant contact, you'll always know where you stand.
What's In The Plan?
Income Design
The core of your retirement strategy. We determine where your income comes from, in what order, at what tax cost, and how it adjusts over time. Social Security timing, distribution sequencing, longevity modeling and much more.
Tax Planning & Strategy
Having a sound tax mitigation strategy is one of the most important areas in a retirement plan. We build a multi-year tax strategy including; Roth conversions, withdrawal sequencing, bracket management, RMD planning, and charitable giving which will be coordinated with every financial decision you make.
Investment Management
Your portfolio is built to serve your plan, not the other way around. We design and manage your investments around your income needs, time horizons, tax situation, and appetite for risk. We don’t use prebuilt, cookie-cutter portfolios. You deserve a bespoke portfolio, that’s what we provide.
Healthcare Planning
Healthcare is one of the largest and least predictable expenses in retirement. We plan for Medicare enrollment, supplement selection, IRMAA management, long-term care risk, and healthcare cost forecasting, all as part of your financial plan.
Legacy & Estate Coordination
We help you confirm that your estate documents, account titles, and beneficiary designations are all aligned with your actual intentions. We coordinate with your estate attorney and ensure your legacy plan is integrated with every aspect of your plan.
Protection & Risk Management
A great financial plan should add more predictability to your life. We review your insurance, identify gaps in coverage, prepare you for unexpected events like a health crisis, a market downturn, or a long care need. A problem really isn’t a problem if you’re already prepared for it.
Would You Rather Have An Advisor, or Planning Committee?
Retirement and financial plans are built and maintained by team of well-trained, seasoned professionals. Our process also supports Lake Norman families looking for integrated retirement planning.