WHY WE’RE DIFFERENT?

If You Haven’t Yet Noticed, We’re a Little Different, a Little Provocative and offer more than the average “Joe” investment advisor

In fact, there’s nothing average or conventional about us at all!  From the pictures and words here on our website to our Retirement Solved approach; from our crazy good educational resources to our super competitive fee structures;  from our online or face-to-face advice to our technology-powered analysis; and from research backed strategies to our process-oriented planning, we strive to be a breath of fresh air in retirement education and planning. We believe we’ve nailed it.

We use all of these “super powers” to make this whole retirement planning thing more efficient and impactful for you. It’s also what separates us from the mere mortal advisors out there.

There’s about ~300,000 financial advisors in the U.S. And only about 1% are considered “retirement specialists.” How many do you think combine education, analysis, strategy, balanced guidance, research, technology and a disciplined process to give you a better retirement outcome? Not many, if any.

“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”.  -Wade Pfau, PhD, American College professor and retirement researcher

Proper Retirement Planning is More Than Just An Investment Strategy (or a 401k plan)

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”.

Our planning process is a multi-step, comprehensive, collaborative effort designed to build a retirement plan that you can feel confident in.

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

More information on retirement planning

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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.

Even More Super Powers…

Did you ever walk into a cute and cozy boutique and get a warm fuzzy feeling? It’s a completely different feeling than walking into Walmart. Well…we’re not Walmart. Or one of those big investment companies. We’re a retirement planning boutique where we know your name, your husband’s name, your birthday, why you like to garden and listen to Sheryl Crow, and what your hopes and dreams for retirement are.  When you work with us we get to know you and your family on a personal level. We invite you into our lives as you welcome us into yours. It is these deep and long lasting relationships with our clients that is the basis of a successful planning partnership. It’s why we love being a boutique provider of retirement planning vs. a big, corporatey kinda place where you’re just an account number. Being a boutique also allows us to be much more nimble and flexible which means we can make changes quickly to process, strategy, solutions and outcomes.

We can work with virtually every investment and insurance company in the world to find you the absolute best solutions. We work with the big names: Fidelity, Vanguard, Nationwide, John Hancock, Allianz, but also boutique firms like us that offer equally good, but less known solutions: Athene, Integrity Life, Dodge & Cox Investments, and Thornburg.

Whether you’re trying to determine when you can retire, how to maximize your Social Security, how to allocate your 401(k), or determine if you need long term care insurance, we offer everything from individual, topic specific assessments, including complementary income projections, to full deployment of retirement plans. We can also review an existing plan to see if you have enough of the right stuff. We can do as little or as much as you need us to to help make preparing for retirement easier and living in retirement more prosperous.

One of our priorities, is to offer unmatched value. You’ll be hard pressed to find another advisor who offers the combination of: a full complement of retirement services, delivered by retirement specialists, who follow an in-depth planning process and operate within the lowest fee structures in the industry. We don’t think you should have to choose between service, quality, solutions, expertise or fees.

When you work with someone who has passion, you know it, it shows in everything they do. When you work with someone who has purpose, it shows in their results. When you work with someone who has personality, they make it enjoyable. Yes retirement planning is serious business (and you’ll always find us professional and on point), but we believe it should be fun too with a bit of humor and friendship in the mix. We take your success personally because Retirement Solved is our life’s work and we’re excited to share our passion, purpose and personality with you.

Our founders are baby boomers themselves so they’re facing the same challenges as many of you. We’re also old enough to know what we did wrong when we started out so we can guide those who are in the pre-retirement phase. We’ve been through the ups and downs of the markets, and we’ve worked with hundreds of people just like you helping them manage all phases of their financial lives. We now focus on retirement planning because to be honest, that’s where we see the greatest need and where we can have the greatest impact and personal satisfaction knowing we’re helping a lot of people have a more secure retirement. Learn More…

Retirement Solved vs. Conventional Investment Advisors

BenefitsRetirement SolvedConventional Advisors
Unconventional Retirement Solved Approach: Educate, Analyze, Strategize, DeployYESNo
Hybrid fiduciary advisors – product/portfolio agnostic for a balanced solution (investments & insurance)YESNo
Alpha Efficient Retirement Solved strategy utilizing investments, insurance, and guaranteed indexed annuitiesYES No
Sophisticated tax analysis & income/Social Security optimization softwareYES N0
Research-backed tax efficient withdrawal strategies to extend portfolio lifespansYES N0
Low cost, flexible, transparent fee structureYES N0
Personalized online or local guidance from passionate retirement advocatesYES N0
Full retirement plans, individual services or discipline specific assessmentsYES No

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

Get Started With Us Today

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

dog behind a desk with glasses on with a pencil in his mouth

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.

“The research is unequivocal that a competent financial guide can both help you achieve the returns necessary to arrive at your financial destination while simultaneously improving the quality of your journey.”

Behavioral Alpha: The True Power of Financial Advice, Daniel Crosby, Ph.D., Nocturne Capital, October 17, 2016

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