Retirement Planning

Your Financial Future Doesn't Need To Be a Mystery

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.


What kind of Lifestyle do you want and where is the money going to come from…

The first step is to determine what kind of life that you want to live and how much that is going to cost. How much income do you want or need and where it is going to come from. How much is possible? Do not worry if you have not quite figured it out. A professional can help guide you through this process.


Plan for Risks that can wipe you out…

Next, You will want to figure out what types of Risks that you will be facing in Retirement; like Health, Longevity, Market Volatility, Inflation and Running out of Money.


Where Do I put My Money?

In the last step, you will want to choose the type of Asset Management that suits your personal values and level of risk. Are you a risk taker or are you very conservative with your money decisions?

This is also when you will explore available Income Options and how they will provide for future income.

Process vs Product

A lot of Financial Advisors and their Websites talk about what Products they offer (and How Many). They are looking for your ‘HOT BUTTONS’ to SELL you a PRODUCT…

TRUSTED ADVISORS get to know YOU FIRST and What your Values and Priorities are BEFORE making any Recommendations. They make sure it is about YOU and not them. TRUSTED ADVISORS are PROCESS Driven. Why is PROCESS so important?

We all only have a limited supply of money. We have to make the most of it (Work Hard and Work SMART) in the short time that we have. NOT using a PROCESS can cause major losses to occur.

These losses can be reflected in:
* Lower Current Lifestyle
* Lower Retirement Income
* Inadequate Protection
* Loss of Financial Control
* Financial Vulnerability
* Higher Taxes and Fees
* Less Benefits
* Taking too much Risk
* Running out of Money

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.