Retirement Planning is much more than just traditional investment management (or a 401k plan). It involves integrating many additional facets such as tax reduction, Social Security, portfolio volatility management, home equity, and proper portfolio management into a cohesive plan. As Wade Pfau, PhD states, “Most advisors are investment-centric concentrating solely on managing investments and do not incorporate all the intricate retirement strategies that must be utilized to dramatically increase the probability of a retiree’s success”.
The Retirement Solved approach, focuses on teaching people how to save right today and spend right tomorrow.
Powered by technology, organized by process and backed by research, our unconventional approach integrates education, guidance, analysis and strategy for efficient and effective, one-stop retirement planning.
Retirement Solved’s mission is to make preparing financially for retirement easier and more affordable, while guiding the transition into retirement with a “sustainable for life” financial plan.
We’re proud to be called retirement geeks (and it happens often when we meet with a new client). We love the science of retirement. We’re obsessed with education and demystifying retirement for you, while also challenging extreme biases rampant in our industry. We’ve all seen the grandiose (and unbalanced) claims from investment or insurance companies with big marketing budgets. We empower you with objectivity and knowledge in our Learning Center available 24×7 and Retirement Solved University. We’re also obsessed with research…we never recommend a strategy unless it’s backed up with academic proof. Some of the leading retirement researchers we follow are: Finke, Pfau, and Blanchette. Learn More
“According to a 15-year study by Vanguard, working with an advisor can add about 3% in net returns.”
We love technology, but we don’t believe everyone wants a computer to create their retirement plan. So we offer technology-augmented humans (via email, phone or face-to-face) who happen to be really good at building relationships and really good at building retirement plans. Our software powers our analysis, our research powers our strategy and our conversations with you power the direction of your plan. And because our Retirement Solved approach is so efficient, in many different aspects, we offer what could be the most competitive fees in the industry. When you commit to partnering with us, we commit be being your educator, strategist, analyst and advocate. Learn more
“Receiving good financial advice pays a dividend that builds both wealth and confidence.”
We combine research and the best technology in the industry to power data-driven analysis. The sophisticated retirement software we use tells us if you have enough of the right stuff to retire and if not, what changes need to happen. In many cases, we can extend your retirement income up to 10 years or more with decisions WE CAN control such as: Tax saving, Social Security maximization, Portfolio allocation, Medicare surcharges and Fee reduction. Learn more
“Individuals who are advised have a minimum of 25% more assets than those who are non-advised.”
We increase the probability of better retirement outcomes by implementing eight Alpha Efficient Strategies. Alpha is simply the measure of return or benefit above a given average. The sum total of these Alpha increases gives you an Alpha Efficient plan that you’ll be hard pressed to replicate either on your own, or with any other advisors. Many research reports support the idea that the “right” advisor” can significantly increase your outcomes. We’ve taken advisor alpha to entirely new level. Learn more
“Our Retirement Solved Alpha Strategy has such a powerful impact that it can extend the life of your portfolio by 10 or more years.”
We take retirement planning to an entirely new level by implementing the industry’s most sophisticated financial planning and back office technologies.
Using comprehensive “retirement” software we uncover concerns, assess opportunities, and reach financial decisions – together. We start by producing our proprietary Retirement Income Projection Analysis (RIPA) to help you determine when you can retire with the confidence that your income will last throughout retirement. We continue to use the software to make our analysis more effective and efficient. The integration of software and human capital enables us to provide new opportunities for retirement success.
Success is accomplished through execution. We designed our 5-step meeting/planning process to provide the structure and discipline needed to execute on your vision and our strategies for your retirement.
Working together, we learn, discover, analyze, strategize, build, implement and track your entire retirement plan. We consider and discuss all facets of your retirement in the process, starting with your retirement goals. You won’t find many, if any advisors who are willing to make the same level of commitment that we do. We wanted to offer a process that would making planning easier, more logical and more affordable so that people would actually do it. Learn more
Evidence-based retirement planning and investing is the idea that no advice should be given until it’s backed by reliable research and evidence, and shown to be effective over the long term. It requires a commitment to being a student for life, consistently staying abreast of academic research and best practices while protecting client’s best interests. Many advisors don’t have this level of commitment to learning…it’s far easier to simply collect investments and commissions and call it a day.
We’re obsessed with research…we never recommend a strategy unless it’s backed up with academic proof. Some of the leading retirement researchers we follow are: Finke, Pfau, and Blanchette.
When you work with us to build and implement a full retirement plane, we commit to a multi-step, meeting process with each and every client to not only get people to start a plan, but to also make sure they understand retirement planning strategies and how they can help them save right now and spend right in retirement.
The process is based around Discovery, Design and Deployment and involves 6 collaborative, roll up your sleeves sessions with one of our retirement professionals. Learn more about the process
“Those who have a written retirement plan, accumulate 4x more assets than those who don’t.” -Wells Fargo Retirement Study, 2015
We offer Retirement Solved for all phases of retirement planning. Strategies differ depending upon the phase you are in. In the Pre-Retirement or Accumulation phase, the focus is on gathering and growing your assets. Time is your biggest advantage. The sooner you start, the more you’ll have at the end. In the Getting Ready to Retire or Re-Allocation phase, the focus is on analyzing what you have, determining if it’s enough and adjusting your portfolio to reduce risk while maintaining growth potential. In Retirement or the Distribution phase, the focus is on managing risk and distributing your income in the most tax efficient manner in order to provide a sustainable income throughout retirement.
Our typical clients are people getting ready to retire (aged 50-70) with at least $400,000 of investable assets. However, anyone can use our education and assessment services, regardless of how much money they have stashed away.
For those people aged 25-50 we offer 401k assessment, allocation and advice, as well as life insurance solutions. For those in retirement, we offer retirement assessments and estate planning to determine how we can help your retirement income last longer.
Visit Our Services page to see how we can help you
But it is for anyone who:
We are Your Retirement Educator. Your Retirement Analyst. Your Retirement Strategist. Your Retirement Advocate. Retirement Solved. Join us and experience a smarter, efficient and more intimate kind of retirement advice…and leave with a renewed purpose, a comprehensive plan and peace of mind.
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