Retirement Planning
Your Financial Future Doesn't Need To Be a Mystery
Retirement Readiness Calculator
Understanding Retirement Planning
Life after Work
Retirement is the time of Life when you choose to permanently leave the workforce behind. In the simplest sense, Retirement Planning is what you DO to prepare for life after paid work. This includes all aspects of your life, not just Financial.
Prepare
What kind of Lifestyle do you want and where is the money going to come from…
Not sure where to begin? No Worries – It is not overly complicated. We made it easy. As the saying goes, “It is NOT rocket science.” We created a Simple, Step-by-Step Process, Our ‘Secret Sauce’ – it is called ‘The Asset Life-Cycle Formula” to help you get where you are going…
Protect
Plan for Risks that can wipe you out…
Next, We will help YOU shine a light on potential Blind Spots and Vulnerabilities and explore what types of Risks that you may be facing in Retirement; like Health, Longevity, Market Volatility, Inflation or Running out of Money.
Provide
Where Do I put My Money?
In the last step, We will help you choose the type of Asset Management that suits your personal values and level of risk. This is also when you will explore available Income Options and how they will provide for Reliability of Income in the Future.
Process vs Product
A lot of Financial Advisors and their websites talk about what Products and Services they offer and how many. They are looking for your ‘hot buttons’ to sell you a Product…
Process Driven Advisors get to know YOU first; your values, priorities and what is important to you before making any recommendations. They make sure it is about YOU and not them.
Why is Process so important? We all only have a limited supply of money. We have to make the most of it by working smart. Not using a process can cause major losses to occur.
Not Sure where to Begin? No Worries – It is not overly complicated. We made it easy. As the saying goes, “It is NOT rocket science.” We created a Simple, Step-by-Step Process, Our Secret Sauce – it is called ‘The Asset Life-Cycle Formula” to help you get where you are going…
What Is A Fiduciary?
A Fiduciary is an Advisor who is required to act impartially and provide advice that is in their clients’ best interest. Fiduciaries must always divulge all fees and commissions, as well, as disclose any conflicts of interest.
The Fiduciaries Primary Job is to Educate First. – (see John’s Education and Certifications)
John has taken being a Fiduciary to the Next Level by becoming a Certified Financial Fiduciary CFF® and abiding by a Code of Conduct.
These Codes include:
Practice the Duty of Loyalty – Agree to ALWAYS put the Clients best interest first.
Practice the Duty of Good Faith – Fundamental Obligation to treat All Clients Fairly.
Practice the Duty of Good Care – Exercise the Skill of an Expert and to only advise in those areas where Expert Skill level has been obtained.
In Addition to adhering to these Codes, John is an Independent Advisor. An Independent advisor is an advisor that has the freedom to select any product, account, fund, policy, or service (or combination of these) to build a personally customized portfolio for their client. Truly independent advisors are not bound by any constraints, allowing them to significantly minimize conflicts of interest.