The R.E.P.O.R.T. Process

Retirement • Evaluation • Planning • Opportunities • Risks • Taxes

A Clear Process for a Confident Retirement

What potential dangers and holes will we uncover in your planned journey to retirement?

A Comprehensive Approach. Not Just an Investment Plan.

1

Introductory Call

2

Review Appointment

3

Insight Appointment

4

Strategy Meeting

5

Execution

What to Expect

Step 1: Introductory Call, 15 Minutes

The first step is to schedule a complementary, no-obligation phone call with one of our advisors. During this call, we’ll get to know your current position and plan for retirement, and listen to your main concerns.

For this call, please have the following on hand:

Most recent tax return
Statements for any investment accounts
Life insurance policies
Social Security profile and/or gross benefit amount
Budget sheet and/or monthly household expenses

Potential questions during this call may include: What are your biggest concerns? What’s your financial position like right now with work, savings, and retirement? Do you have health insurance/medicare? Do you have a will and power of attorney? Do you work with an accountant or have any tax concerns?

Once we have gained a general sense of where you stand in the retirement process and have established that our advisors might be a good fit, we’ll schedule a one-hour meeting with our team to dive deeper into your financial landscape and goals.

Step 2: Review Appointment, 60 minutes

In this meeting, your advisor and client concierge will further explore your concerns, review your statements, and discuss your objectives in greater detail.

Please bring with you the documents you prepared for your introductory call, if not already submitted:

Most recent tax return
Statements for any investment accounts
Life insurance policies
Social Security profile and/or gross benefit amount
Budget sheet and/or monthly household expenses

If you’re married, we strongly encourage your spouse to join each appointment. We believe a holistic approach to retirement planning includes your loved ones and we value their presence in this process.

After this appointment, our team will conduct an in-depth analysis, assessing your risk tolerance, fee structures, and asset allocation.

Step Three: Insight Appointment, 60 minutes

In this follow-up, we’ll review the findings from our assessment, offering a detailed look at your current position and how other important areas such as taxes, healthcare, and estate planning may be affected.

We’ll walk through a risk evaluation to help you determine whether your current risk tolerance aligns with your retirement goals or might benefit from adjustments. Additionally, we’ll provide a transparent breakdown of fees for each of your investments, including any hidden fees you may not be aware of.

This assessment is designed to go beyond a basic account review, bringing potential areas for improvement to light. If you find that these results don’t fully support your objectives, we’ll proceed to the next step: building a tailored strategy to help support your long-term objectives.

Step Four: Strategy Meeting, 60 minutes

In this meeting, we’ll present the custom strategy we’ve developed based on the insights from our previous discussions. This strategy is designed to address the areas identified for improvement while considering other key elements of retirement, like tax considerations, healthcare planning, and estate alignment.

This collaborative meeting gives you the opportunity to ask questions, review our proposed recommendations, and ensure that the proposed strategy reflects your unique objectives. Our intention is to give you a clearer roadmap and confidence in your plan to retirement.

Once we have your approval, we’ll begin preparing the necessary paperwork and invite you back for its execution.

*Please remember to bring your driver’s license to this appointment.

Step Five: Execution, 60-90 minutes

In this final step, we’ll guide you through the application process for the solutions discussed.

This signing appointment usually takes 60-90 minutes and will include:

Completing necessary paperwork
Discussing fund transfers (which usually take 2-5 weeks)
Addressing any questions you may have

*Please bring a voided check with you. (A photocopy is fine.)

From adjusting investments to optimizing tax strategies, our team will oversee each detail, coordinating with you along the way.

Once everything is officially signed is it normal for funds to take 2 to 5 weeks to fully transfer. This timeframe is out of our hands and may depend on the types of accounts, assets being moved, and the institutions involved. Rest assured that we monitor this process closely and will contact you if more information is needed.

Once all funds and accounts are settled you will meet with your advisor and client concierge to receive copies of everything from your Execution appointment and have a chance to ask any remaining questions.

Then What?

Our support doesn’t end here; we’re committed to providing ongoing guidance and reviews to keep your retirement plan on track. Periodic assessments and updates will help us adapt your strategy to any changes in the market or your personal circumstances, for continued confidence and peace of mind as you approach retirement.