Retirement planning designed for your life
Building your lifetime income for better retirement outcomes.
DON’T WORRY. RETIRE HAPPY.
Do you remember Oct. 19, 1987? Better known as Black Monday, that was the day the Dow Jones Industrial Average plummeted 508 points, a then-record dive of nearly 23% that followed a series of smaller declines the previous week. 1
What about the dotcom crash that occurred at the turn of the century? Do you remember that troublesome time, a 2½-year span from March 2000 to October 2002 that saw the tech-heavy Nasdaq tumble by nearly 77%? 2
How about the housing and stock market collapse of 2008? Do you remember that year, when our financial markets lost more than 30% of their value? 3
STEVEN ROWSWELL, Founder
Financial Fiduciary and Master Planner
Our Process
Retirement 4Life™ Powered by Optiflex℠ and AnnuiNote starts with a Retirement 4Life Discovery, where we analyze your cash flows, incomes and asset balances to establish a baseline for “what-if” analysis and to identify potential solutions. We then look at your estate through four separate lenses:
Longevity
Considers what would happen to your finances should you and/or your spouse live to age 95
Lifestyle
Measures your current state and provides a plan to help you maintain a desired lifestyle through your golden years
Liquidity
Sets aside liquid assets to cover unexpected events
Legacy
Offers opportunities to pass your assets to heirs efficiently
Step 1. Retirement Discovery
We’ll have an in-depth discussion seeking to understand what’s important to you in retirement.
Step 2: Lifestyle & Retirement Income Style Defined
Using your desired retirement lifestyle as a guide, we’ll review the available retirement income and analyze your retirement risk.
Step 3: Optimize Your Retirement Plan
We’ll address your core retirement spending in an efficient asset and tax manner and create a plan to help optimize your Social Security benefits.
Step 4: Roadmap for the Longevity of Your Retirement Plan
Based on the information we’ve uncovered, we’ll create a roadmap addressing your liquidity, long-term care and legacy plan.
Step 5: Retirement Plan Implementation
After you make an informed decision on your plan, we’ll assist you in putting all of the pieces of your plan into action.
Our goal is to help you manage your finances so you can pursue your goals.