Personalized planning.
Not product pushing.
Financial planning is not rocket science. But it’s not one size fits all, either. It’s a thousand tiny little decisions that have a huge impact later in your life. We help you make those decisions. With full clarity, confidence and comfiness. Tied specifically to your own personal ideas of what you want your money to do for you.
THE SERVICES WE DELIVER
Hands-On, Personalized Financial Planning
Smart, Disciplined Investment Strategies
Helpful, Easy-to-Understand Education
Clear, Organized, Timely Communication
24/7 Open Access for all your questions
THE RESULTS YOU CAN EXPECT
Full Trust and Confidence in Your Plan
Clarity, Comfiness, even a Little Fun in the Process
Less Stress, Better Retirement
THE PEOPLE WE HELP
Good folks who care about hands-on, personal attention
Near Retirees, over 50 years old, with $1M or more in assets
Achievers under 50 with annual household income of $250K or more
How we help you Retire Right
At RetireRight, we are very hands-on, and the services we provide are broad and comprehensive. We’re also very big on education and transparency. So we want our website to help provide clarity for you. Here below is a brief services overview.
The best way to learn more about our services is, of course, to have a good person-to-person conversation. We’d love to talk!
FINANCIAL PLANNING. THE BASICS.
Creating your plan and implementing it
Our approach at RetireRight is to be your trusted guide for all things financial. We leverage our extensive experience and resources to implement custom strategies, and work directly with other professionals such as accountants and lawyers, to help ensure every aspect of your financial future is well cared for.
Our financial planning process incorporates six steps:
1. Initial meeting/discovery
2. Establish goals and gather records
3. Prepare your comprehensive financial plan
4. Present recommendations
5. Implement your financial plan
6. Review, update and monitor the plan
RETIREMENT PLANNING
Financial Planning Focused on Retiring Right
What’s the difference between financial planning and retirement planning?
Well, financial planning relates more to the accumulation of your personal wealth, and retirement planning relates to using and managing your accumulated wealth for retirement.
GETTING CLEAR ON YOUR RETIREMENT GOALS AND POSSIBILITIES
The first thing we do is help you get clear on the big questions. “What do I want my retirement to look like?” and “Do I have enough to make that happen?” We help you visualize your retirement down to specific details, and walk you through all the What Ifs, so you feel confident about your plan.
CREATING A TAX-EFFICIENT WITHDRAWAL STRATEGY
We help you create and manage a tax-efficient withdrawal strategy tailored to your specific needs, minimizing your taxes and maximizing your savings.
AVOIDING ROADBLOCKS
AND RISKS
We help you avoid any roadblocks to your financial future and guide you around the unique risks that are associated with retirement income planning, like reduced earnings capacity, unknown longevity, spending shocks, or declining cognitive abilities.
RETIRERIGHT INVESTMENT MANAGEMENT
Personalizing the perfect strategy for you. Using math, data and technology to make sure it performs.
The old investing mantra of “buy and hold” no longer applies. As we enter a new era of fintech and instant information, investors must adopt a new strategy: buy and do your homework. At Retire Right, we employ a disciplined, prudent, active process to investment selection and performance monitoring.
3 KEY
INVESTMENT GOALS
Preserve Your Assets. You worked too hard to build your portfolio for the market to take it away in a hurry.
Keep Pace With Inflation. We don’t want to erode your purchasing power.
Take What The Markets Give Us. We will invest where the market is telling us to invest, based on our disciplined methodology.
OUR 4-STEP INVESTMENT
MANAGEMENT PROCESS
With these three investment goals in mind, we guide our RetireRight clients through a simple, 4-step process for investment management.
Step 1: Understanding Your Financial Plan and Risk Tolerance
Step 2: Should We Generally Be in Stocks or Bonds?
Step 3: Where Should We Be Invested?
Step 4: What Investments Should We Choose to Invest In?
MAKING SURE YOU HAVE THE RIGHT INSURANCE
At RetireRight, we understand the importance of incorporating insurance into your overall wealth planning strategy. After a detailed analysis of your financial situation, we determine whether your current coverage is adequate for your lifestyle, needs and future plans. We then make recommendations to seamlessly coordinate your life insurance policies into your retirement plan and estate plan. Only then can you provide the best financial support for surviving family members.
CHOOSING THE RIGHT TIME TO RECEIVE SOCIAL SECURITY
The age you decide to start receiving your Social Security benefits can result in a 25% reduction in benefits, or a 32% increase in benefits. That can be a big difference! As part of the RR financial planning process, we do a thorough Social Security benefits analysis to determine the optimal start time that will maximize your benefits. Online calculators that make this determination from a few pieces of information are not thorough, as they cannot factor all the complexities of your unique situation like we do for you. We help make sure you get this key decision right. A decision that not only affects you for the rest of your life, but could affect a surviving spouse as well.
EDUCATION AND COMMUNICATION
For your financial plan to be successful, you must feel empowered. A good plan that is properly designed and effectively communicated to you can significantly improve your confidence and reduce or eliminate stress. At RetireRight, we continuously review, update and monitor your plan. We touch base with you on a regular basis to discuss any changes that may impact your plan, and we proactively make changes to help ensure your plan continues to help you pursue your objectives. Our best communication to you is with our direct, personalized meetings, calls and emails. But you can also expect our regular RR newsletter and Rapid-Response email letters any time there is an external event that causes concerns or questions about your retirement plan performance.
COOL TECHNOLOGY TO WALK YOU THROUGH THE “WHAT IF’s?”
We’re old school in our hands-on, personal touch. But we’re on the cutting edge when it comes to financial planning tools and technology. We constantly search the latest tools and bring you dynamic retirement modeling software that helps you visualize key What If scenarios of your financial future. We can plug in different events and scenarios, illustrate each scenario’s likely outcome and probability of success or likelihood of needed adjustments. Which helps you make decisions much easier, and feel comfy and confident that you are right on track.
HOURLY FINANCIAL PLANNING
While most RetireRight customers work with us as their ongoing financial guide, you can also work with us on an hourly basis to provide an in-depth analysis on particular areas of comprehensive financial planning. Whether you’re seeking advice regarding Retirement Planning or an isolated personal/business financial issue, our hourly consulting services offer a flexible option for obtaining the advice you seek. We’re here for as much help as you need, when you need it.
