"Money is only a tool. It will take you wherever you wish but it will not replace you as the driver."
- Ayn Rand
STEP ONE
Conduct detailed interviews to assess your lifestyle, goals, and retirement vision.
Discovery and Asset Inventory
Understand your complete financial picture.
Inventory all assets, including savings, investments, and properties.
Review existing liabilities, debts, and expenses to establish a comprehensive financial baseline.
STEP TWO
Identify Funding and Spending Goals
Define your financial needs for retirement.
Work together to outline your desired lifestyle and spending habits in retirement.
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Establish clear funding goals, considering healthcare, travel, and leisure activities.
STEP THREE
Identify Guaranteed Income Sources
Explore income streams that provide financial security.
Identify potential sources of guaranteed income, such as Social Security benefits, pensions, and annuities.
Assess passive income opportunities, including real estate investments or dividend stocks.
STEP FOUR
Assess the Gap Analysis
Analyze income needs versus income sources.
Determine the difference between expected income and the amount needed to fulfill retirement goals.
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Discuss strategies to address any identified gaps in financial resources.
STEP FIVE
Build Income Streams for Life
Strategically allocate assets to generate sustainable income.
Develop a personalized investment strategy focused on creating reliable income streams.
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Adjust asset allocations to ensure longevity of income throughout retirement, considering factors like market conditions and inflation.
STEP SIX
Identify Your Legacy Plan
Ensure your financial legacy is secure and aligned with your wishes.
Define your legacy goals, including beneficiaries and distribution amounts.
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Discuss estate planning strategies to minimize tax implications and ensure your wishes are honored.
