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Our Process

Step 1

We start with a personal interview to learn about the vision and goals you have for your life. In other words, your “bucket list.”

Step 2

We then create a discovery agreement that summarizes the information you provided to us in our first meeting. This enables both parties to be on the same page about what you want to accomplish with your money.

Step 3

We then create a roadmap for you that tackles each of the areas needed to make sure you are doing the best you can financially, and we use that to implement your customized strategy and keep you on track every quarter.

Retirement Income Planning

Retirement Income Planning

With many retirees living twenty or more years past retirement age, planning for your retirement today is more important than ever! If you are nearing retirement, we invite you to let us evaluate your retirement health. To do this, we analyze all the choices your retirement plan offers and present you with a cost/benefit analysis as well as a detailed roadmap that will guide us as we navigate your retirement together.

Our plan involves all of your income sources from Social Security and pension income, 401(k) or 403(b), to 457 and pension rollovers, to your IRA. We look at all these potential income sources to create a strategy to pay your monthly expenses in retirement. We help you plan for the distribution of your accumulated wealth during your life and at death, and we can help you stretch your IRA assets over two generations. With our professional money managers’ lineup, we can create a portfolio that is right for you and your family.

Knowing that you can afford to retire can be a massive relief because everyone’s biggest fear is outliving their retirement or being unable to live comfortably in their retirement years. Retirement should be as enjoyable as you expected, free from worry about having enough money to live on or being a burden to your children.

Wealth Management

Wealth Management

Wealth management is more than just “managing money”; it’s about thoughtful saving, investing, protecting, and creating income streams that enable you to live a life you love in the future. Our approach to wealth management includes comprehensive investment management alongside financial advice, tax guidance, and estate planning. Our process isn’t complicated or full of jargon you don’t understand, our process is all about you.

Personal Financial Coaching

Personal Financial Coaching

Time is a valuable commodity today, especially for dual income households. You know how the money comes in, but you aren’t sure where it all went at the end of the month. You have specific financial goals, but you struggle to meet them.

If this describes you, you may greatly benefit from working with Ray as your Personal Financial Coach. Like a personal trainer, Ray will work with you to customize a goals-based strategy that serves as your roadmap to financial success. Once your personal strategy is in place, Ray will periodically review your progress with you, guiding you and helping to keep you on track.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

[email protected] | (401) 596-6600