What to Expect at Retirement Refined
How We Create a Retirement That Fits You
Phase One:
Discovery Consultation
Your planning begins with a thorough discussion of your family, leisure, residence and work desires, to obtain a clear understanding of your retirement ambitions. Understanding the dynamics of your unique situation will assist us in creating your tailored plan.
Phase Two
Planning Strategy Sessions
We develop a thorough understanding of your income needs, including your fixed expenses, your discretionary expenses and occasional expenses.
Then we go to work, exploring the best ways to create income from your various retirement, non-retirement, and real estate assets. We take a close look at the tax impact of each strategy, since keeping more of what you earn is an important part of your plan. Once your income foundation is in place, we help you determine when and how to begin your Social Security and pension benefits to make the most of them over time.
Your investment portfolio will be reviewed with recommendations for your overall asset allocation and specific holdings. Controlling risk and costs is a primary concern when developing your overall investment strategy.
Phase Three
Your Personal Recommendations
You’ll receive specific recommendations covering the following areas:
- Investment strategy
- Retirement Income strategy
- Social Security
- Medicare
- Long Term Care
- Estate Planning (Wills, Trusts and related documents)*
- Property/Casualty Liability Insurance coverages
*LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.
Your financial planning service doesn’t end here! At Retirement Refined LLC, our dedication to clients is demonstrated through our service model.
The Ongoing Client Service Experience
Clients can expect to receive individual attention and support:
Annual Tax Planning Reviews
Each year we will review your prior year’s income tax return, then project the current year tax situation. We analyze various strategies to help reduce Uncle Sam’s share of your wallet to enhance your after-tax income. We look to help reduce your tax liability today and over your life-time.*
Regular Investment Reviews
A vital part of any investment plan is to review your accounts on a regular basis. We are committed to meeting with you on a pre-determined regularly scheduled basis to make sure your investment strategy remains consistent with your Retirement Income Planning objectives.
Investment Management
In advisory accounts we always act as fiduciaries, dedicated to acting in your best interests. This includes making sure your investments are allocated specifically and properly with your Retirement Income and financial planning needs.
Retirement Income Planning
We encourage our clients to create a Retirement Income Plan prior to making investment decisions. Our Retirement Income Planning process will assist you in pursuing your retirement goals by providing clear, concise strategies so you can enjoy your retirement years with confidence.
Retirement Plan Updates
As you progress through retirement, your income plan is updated to reflect changes in your circumstances, tax regulations, and personal goals.
Our Weekly Blog
A weekly, emailed publication that Paul personally writes on various topics, including: the markets, economy, income taxes, politics, social security, Medicare, and anything that impacts those entering or continuing through retirement.
*Specific individualized tax advice not provided. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Our client service model reflects our commitment to helping you navigate retirement with confidence. We provide ongoing support and proactive planning updates to help ensure your retirement income plan remains aligned with your goals and changing circumstances.
