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Your Planning Process with Retirement Theory

What do you want to accomplish?

During this introductory call, we'll talk about your needs, wants, concerns -- whatever motivated you to reach out to us! We'll walk through our approach and how we may be able to help. From that point we can determine if moving on to the next step makes sense.

Some ways we can help you:

  • Financial organization
  • Investment analysis and management
  • Tax strategies
  • Short-term / long-term goals planning
  • Cash flow analysis
  • Retirement income planning and projections

Deep dive on current financial picture

This meeting is all about you! 

We take the time to understand your goals as clearly as possible. We'll walk through your financial "biography" as you have written it so far. This includes a thorough review of your assets, liabilities, taxes, insurance, and cash flow.

What to bring to a meeting

It also means learning about you and your philosophy about money: What is most important to you? What are your concerns or fears surrounding money? What do you consider a fulfilled and successful life?

Planning services quote provided after Discovery Meeting

See advisory services fees

Initial analysis and collaboration

Now the fun begins!

In this step, we analyze all of the moving parts of your financial world and craft a "draft" financial plan for your path forward.

We then meet to  walk through your plan together. We'll solicit feedback from you on various aspects of your plan:

  • Are there changes you'd like to make?
  • Are we on the same page with investment risks, and other assumptions?

Often there are multiple scenarios to consider:

  • Save more and retire earlier?
  • Assume the sale of a business?
  • Downsize our home in the next 10 years?

We take this time to ensure we're all on the same page and together decide on the path forward the works best for you.

See your strategy come to life


Congratulations! You have already taken some great steps on your journey toward reaching your goals. At this point we will have an easy-to-follow checklist of the specific actions needed to move forward. Some of those actions may be time-sensitive, others may be a bit down the road. In either case, we're with you every step of the way-- to handle any "heavy lifting", answer questions, and guide you on any decisions you need to make.

Monitoring and Support


You are not the same person you were 10 years ago. Your financial picture, your goals, and your life are constantly evolving. As is the world, the market, and of course, taxes! 

Our greatest value to you is our continual support to help you navigate all of these changes. We're constantly monitoring your plan for changes, risks and opportunities that are important to be aware of.

You have unlimited phone, email and Zoom support to ask questions or get advice on anything that comes up on your end. We also establish a meeting schedule (generally twice per year) to your preference, to have a formal check in on your plan and make any adjustments to help keep it on track. 

That is our commitment, to be there for you, every step of the way!

Check the background of this firm/advisor on FINRA’s BrokerCheck.