Retire TO Something
Retirement planning is so much more than how much money you have, it's about who you get to become.
Your Retirement GPS
The financial industry has taught people to put their heads down and save, count your pennies, defer gratification, jump over the fence so you don't wear out the hinges. What they don't tell you is the enormous difficulty it can be to transition into voluntary unemployment. Living a work-optional lifestyle where everyday is a Saturday? That means something different to everybody. The Retirement Wealth Roadmap has been developed and refined to put all the pieces of your financial puzzle together in a way that continues to evolve as your life and needs unfold- so you can have the confidence to live however you choose.
Discovery & Vivid Vision
You didn't save up a pile of money so that you could count it and stare at it all day like Scrooge McDuff. Those dollars are ultimately there to fund the vision that you have for your retirement. What does that money represent to you? What do you want to achieve, where do you want to go, how do you want to give? In this meeting we'll dive deep to understand your answers to these questions and map out a path to making them a reality.
Design & Refine
This is where we start to identify where you are at, where that is taking you, and ultimately, the items we need to address in order to propel you to your ideal vision. You will begin to to understand how each piece of your financial puzzle integrates together, and where the Retirement Wealth Team will help you redesign your portfolio mathematically and correctly for the retirement season of life you are entering.
Launch
We've carefully integrated a tailored Retirement Roadmap. It's time to launch that plan. Now, maybe for the first time in your life, you've got a panoramic approach to your financial universe. You'll know how each pillar of the Roadmap coordinates with each other and have the confidence that your plan will adapt and change as your needs and life evolve and unfold. Welcome to the work-optional life style where everyday is a weekend.
RWP FAQ
Is RWP a Fiduciary?
We act in a fiduciary capacity for our wealth and investment planning, meaning we are legally and ethically obligated to act in your best interest. That said, we believe the word "fiduciary" has been weaponized, and turned into a cute marketing slogan. The reality is, in this industry, there are fiduciaries who do not practice holistic, panoramic planning- and that is difficult to square. In the same vein, you will be hard pressed to find a truly comprehensive advisor who does not also act as a fiduciary when working on wealth plans. These distinctions matter (please note that insurance products are held to a best interest standard).
How Are You Paid?
We don't believe in financial jargon or hidden fees. We're a fee-based firm, which means we get paid for the work we do for you. We're either compensated with a percentage of the assets we manage on your behalf. The only exception is when we help you with insurance—in those cases, we may receive a commission, which will never be deducted from your premium first. We'll always lay out all the details, so you'll know exactly how we're compensated and can be confident that our advice is always in your best interest.
Who Holds Your Money?
Your financial assets are held by independent third-party custodians, not by our firm directly. We have established relationships with two of the largest and most reputable custodians in the industry: Charles Schwab and Fidelity.This helps ensure that your assets are held securely and separately from our business operations, providing an important layer of transparency and protection.
Are You Independent?
Absolutely. And we think it's one of the most important things about us. Being an independent firm means we don't have a corporate parent or a big company telling us what to recommend. Our only mission is to serve you, and our advice is driven solely by what we believe is in your best interest. There's no one else to please and no products to push—just honest, straightforward recommendations tailored to your goals.
What is Your Approach To Retirement Planning?
Our ethos is we want to be all things to a few clients, rather than a few things to thousands. We also have come to understand that a large portion of success in retirement is behavioral coaching and planning. What investments are used and rates of return become very clear once your vision is defined. For us, retirement planning starts with what you actually want to do. Before we get into any numbers, we'll spend time talking about your life, not just your money. We'll ask about your goals: where you want to live, how you want to spend your time, and who you want to spend it with. Your answers to these questions are the foundation of your plan. The financial strategy we build is simply designed to make those things a reality
Who Do You Work With?
We love working with people who are on the cusp of retirement or are already there. Our clients are typically in the accumulation phase of their lives and are focused on making the transition from working to retirement as smooth as possible. We also work with those who are already retired and are looking for a dedicated partner to help them manage their assets to create reliable income. Our clients are all driven by a clear vision for the next chapter of their lives and are looking for a co-pilot to help them get there.
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Retirement Wealth Pro (RWP) is not affiliated with or endorsed by the Social Security Administration, Medicare, the Security Exchange Commission (SEC), or any other government agency. RWP does not provide tax, estate, or legal advice. Consult with your tax, estate, or legal professional prior to making any financial decisions for your personal situation. Investment advisory services offered through CreativeOne Wealth, LLC, a Registered Investment Adviser. Retirement Wealth Professionals and CreativeOne Wealth are unaffiliated entities. We are not affiliated with or endorsed by the Social Security Administration, Medicare, the Security Exchange Commission (SEC), or any government agency. RWP does not provide tax, estate or legal advice.
Licensed insurance professional. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Past performance may not be used to predict or project future results. This material is for informational purposes only and should not be construed as a recommendation or advice for your particular circumstances.
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).