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WHAT WE DO

Our country is in dire need of a new approach to retirement planning.

Consider the statistics:

“80% of the assets in the United States are controlled by baby boomers.”The future of wealth in the United States. The Deloitte Center for Financial Services, 2015

YET…

61% of boomers fear outliving their income more than they fear death.”  -Allianz Life Insurance Survey, 2010

“81% of boomers don’t know how much they need to retire.”  -Age Wave/Merrill Lynch, “Finances in Retirement: New Challenges, New Solutions,” 2017

“74% of boomers failed a recent retirement income survey.”  -American College Retirement Literacy Survey, 2017

“84% of boomers don’t have a written retirement plan.” TransAmerica Retirement Survey of Workers, 2016

Clearly baby boomers are concerned.  But they’re neither educated nor prepared for retirement. And they’re obviously under-served by the 300,000 financial advisors in the U.S.  Conventional advice, old school strategies, and rolling the dice and hoping for the best hasn’t gotten the average baby boomer very far.

We can do better…much better. Retirement Solved has figured out a ground-breaking formula that makes preparing financially for retirement easier (and more affordable), while guiding the transition into retirement with a “sustainable for life” financial plan.

Geek is the New Chic in Retirement Planning

If you haven’t heard, geek is the new chic in retirement planning. We are self professed retirement geeks and we like it that way!  If you’ve ever watched the Big Bang Theory you’ll know what we’re talking about. Like the characters on the show we’re smart and scientific, yet personable and passionate about the “science” of retirement. We’re exhaustive in our search for research-backed, academic strategies that will allow you to keep more of your retirement nest egg. Our analysis and strategies are powered by sophisticated and specialized retirement planning software that allows us to make data-driven decisions (vs. gut feel). Our guidance is consultative, balanced and patient vs. salesy, biased and pushy. We we take whatever time is needed to guide you in the right direction.

“People who have a written Retirement Plan accumulate 4x more assets than those who don’t.”  -Wells Fargo Retirement Study, 2015

Education is Imperative

Much more than a conventional strategy or some fancy software, our comprehensive approach of education, analysis, strategy and guidance is focused on educating people every step of the way about retirement (the facts, the myths and the misinformation) so they no longer have to wonder and worry if they’re doing the right thing; they’ll know.

Follow the Process and Success Will Follow

We commit to a 5-step, multi-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. Planning for the de-accumulation phase of life is very different from the accumulation phase prior to retirement.

Proper Retirement Planning is More Than Just an Investment Strategy

Retirement Planning is much more than just traditional investment management (or a 401k plan), and not a lot of financial advisors are equipped to do it properly or completely. 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”.1

Strategies to Save Right Today & Spend Right Tomorrow

Investment management is important, but other factors are paramount to a successful retirement outcome. A recent Vanguard Investments study indicated that integrating proper retirement strategies can add as much as 3% Efficient return to a retirement portfolio.2  David Blanchette, head or retirement research at Morningstar, found that proper retirement strategies can add 1.59% Efficient yield to a retirement portfolio.3

We leave no stone un-turned when it to preparing you for retirement. Our comprehensive and unconventional retirement strategies cover: income, investments, taxes, Social Security, insurance, estate planning and more. They are all backed by current retirement research and the industry’s most powerful retirement planning software. Our strategies help you save right today so you can spend right tomorrow. Read more about our Advisor Alpha.

Retirement Solved vs. the Traditional Investment Advisor

Your average investment advisor is not equipped with the knowledge, tools or technology to get this whole retirement planning thing done right. There’s a lot of moving parts that must be scientifically and mathematically  put together by retirement specialists, not generalists.

Finding Your Financial Freedom Date

And just because we’re building a better retirement plan for you, doesn’t mean you have to head for a rocking chair. The right plan means that you can step off the treadmill, stop working like a dog and  live a work-optional lifestyle. We call this finding your financial freedom date. Our mission is to make all the planning easier and more affordable, and the living dreamier.

We’re committed to helping people know enough, get enough, keep enough and have enough of the stuff that’s important to them…now and in the future. We’re ready to build a better retirement for you.

Good fortune is what happens when opportunity meets with planning.

– Thomas Edison

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Much more than just an investment strategy or some fancy software…

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.

Retirement education button

Geek is Chic

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.”

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Real Conversations with Real Retirement Specialists at Really Affordable Fees

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.”

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Analysis for Better Decision Making

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.”

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Our Alpha Super Power

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.”

Technology

Technology Leads to More Reliable Outcomes

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.

Process

Trust the Process & Success will Follow

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

Research

Evidence-Based Planning Backed by Research

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.

Discover Design Deploy Retirement planning

Follow the Process and Success is More Likely to Follow

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 our Retirement Solved Approach
for all Phases of Retirement Planning

because it’s never too early to start…

 

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Pre-Retirement (ages 25-50) – Accumulation Phase

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Getting Ready to Retire
(ages 50-70) – Re-Allocation Phase

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Retired (70+) – Distribution Phase

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

We offer our Retirement Solved Approach
for Individuals, Couples or Employers

Employers...Learn More About Our Workplace Solutions
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Retirement Solved is NOT for everyone

But it is for anyone who:

  • Finds value in partnering with a retirement expert so they can focus on other aspects of your life (and retirement)
  • Is willing to put in the time to follow the process
  • Wants to know the facts behind retirement and is open minded to new research backed strategies
  • Understands the value of a balanced, objective plan that includes investments and safe money
  • Wants to protect their spouse and family, and rest easy knowing someone will always be looking out for them
  • Wants a partner who truly cares about their retirement outcome

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.

Life is Good. Retirement is Better. Start Planning the Dream

Get Started With Us Today

We Know Retirement

Ask Us Now

Retirement Happens…
Start Your Plan Today

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Request access to our “Are You Ready?
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