Step 1: Clarify Your Vision

What do you imagine for your retirement and legacy?

Throughout our relationship, you’ll have an advisor who takes the time to understand you and your unique needs, priorities, goals, and concerns. We’ll use these perspectives to create the foundation for every aspect of your financial plan.

Step 2: Review Your Circumstances

Where are you today and what income will you have in the future?

As we build our relationship with you, we’ll also begin diving deeply into your retirement picture. Our goal is to understand how your finances will support your future income and determine if you’re taking on undue risk or tax liabilities. We’ll identify these details by analyzing items such as your:

• Employment-based retirement income
• Social Security options
• IRAs and other taxable income
• Liquid assets

Step 3: Determine Your Income and Insurance Needs

What do you need to bring your vision to life?

Once we understand where you stand today and where you hope to go, we’ll work with you to determine the income and insurance levels that will help support your goals. As we create the right strategy for your financial life, we will analyze a variety of future scenarios, including:

• Inflation
• Cost of living increases
• Unexpected expenses

Step 4: Build Your Financial Plan

Which financial vehicles and strategies are right for you?

We do not believe in one-size-fits-all solutions because every client is unique. As we build your financial plan, we will search for opportunities and strategies that we believe provide the best path toward the retirement and legacy you desire. We will help you understand each recommended strategy and show you how your investments will work together to support your goals.

Step 5: Execute and Adapt Your Plan

How can we keep you on track toward your goals?

Bringing your financial plan to life is an ongoing effort, not a one-time activity. As your needs change or your annuities mature, we will continue guiding you throughout your retirement.