Retirement Navigation

THE RETIREMENT NAVIGATION PROGRAM

The Retirement Navigation Program is our flagship ongoing service for Private Clients. If you want to implement, monitor, and manage your retirement finances yourself, this is not for you!

If you want a “done-for-you” solution where we’ll execute your Retirement Architect Program with meticulous precision, you’ll love our Retirement Navigation Program.

HOW DOES THE RETIREMENT NAVIGATION PROGRAM WORK?

The first phase of the Retirement Navigation is the Retirement Architect Program. The Retirement Architect Program is where we design and optimize the retirement of your dreams so you’ll have more money and less worry. Only after that foundation is set can we proceed with implementing it.

The second phase is the Retirement Navigation Program. This is where we execute the fine details of your unique retirement plan. A plan without brilliant execution is simply a waste of time and money.

IMPLEMENTING YOUR RETIREMENT NAVIGATION PROGRAM

Putting your plan to work is a painstaking and intensive process of:

  • Establishing, transferring, and managing your investment accounts
  • Scheduling your retirement income distributions
  • Ensuring your beneficiary designations are properly set up
  • Setting up a structured series of planning and portfolio reviews
  • Concierge services like lost money searches and property & casualty insurance reviews
  • And a lot more!

After your plan is implemented, we begin the monitoring and managing process.

MONITORING AND MANAGING YOUR RETIREMENT NAVIGATION PROGRAM

Now that your dream retirement is well on its way to fruition, we schedule a series of periodic reviews and account maintenance. Some of those tasks are in-person (or via video conference) with you. Others are “behind the scenes.”

Most commonly, we’ll meet twice per year for a thorough review of your Retirement Architect plan. We encourage great questions and dialogue especially early in our ongoing relationship, so we may meet 3-4 times or more during the first couple of years of working together.

During those in-person planning reviews, we’ll update your Retirement Architect with any financial or life changes you may have on your journey towards both a memorable—and purposeful—retirement. A great plan for retirement will always face challenges and changes, but we’re always available for our Retirement Navigation clients when those things arise.

Behind the scenes we’ll be:

  • Allocating your investments according to your plan
  • Watching for tax-loss (and tax-gain) harvesting opportunities
  • Looking for strategic Roth conversion opportunities throughout the year
  • Ensuring your retirement income spending strategy is meeting your needs
  • Developing and refining our professional knowledge and skills to better serve your needs
  • And a lot more!

There’s a lot that goes into the Retirement Navigation Program. We rely heavily on world-class software and technology to ensure we execute to the best of our abilities and in-line with your best retirement needs and goals.

THE RETIREMENT NAVIGATION CLIENT SERVICES CALENDAR

Our entire process is best summed up in our Client Services Calendar. While not everything on this schedule is applicable to you, most of our clients enjoy the bulk of the systems and processes we’ve created to better serve you.

Retirement Navigator Client Services Calendar

PROMISES WITHOUT ACCOUNTABILITY ARE WORTHLESS

How do you gauge whether your current (or former) financial advisor is worth the fees you pay them? Gut feeling? Better yet, do you even know what you’re paying for the services you’re getting?

If your financial advisor is commission or “fee-based” (which is a slick marketing term for financial advisors who take commissions AND fees), you likely have no clue what you’re paying them. That’s why we’re a fee-only fiduciary financial advisor in Las Vegas. We show you every dime of fees so you can easily gauge the value we add.

We believe promises without accountability are pretty much worthless. If your financial advisor can’t articulate how much you’ve paid them—and what they’ve done for those fees—you’re likely overpaying and being underserved.

In more than a quarter-century of helping thousands of clients retire successfully, and asking hundreds of other “financial professionals,” we’ve never seen a “Client Report Card.” Why not?

Perhaps it’s because most “financial advisors” aren’t worth the fees you’re paying them.

After working with us for one year, every Retirement Navigation Private Client gets a comprehensive Client Report Card.

Promises without accountability are worthless, so our Private Clients get a Client Report Card each time we meet.

The Client Report Card shows how many times—and every possible way—we’ve helped you live your dream retirement. This report card includes:

  • Calls, emails, and in-person meetings
  • In-person events and other educational webinars
  • Investment rebalancing, adjustments, and changes
  • Roth conversion reviews and other tax-planning strategies
  • Our financial advisor professional education and development
  • And a lot more!

If you want the only financial advisor in Las Vegas who actually practices what they preach AND holds themselves accountable to your retirement success, you’ve found us! Your only regret will be not finding us sooner.

frequently asked questions

WHAT DOES THE RETIREMENT NAVIGATION PROGRAM COST?

The Retirement Navigation Program annual base fee is $4,000 plus .85% of the investments we manage on your behalf (tiered schedule that reduces for portfolios over $1,000,000.) All fees are charged quarterly directly from your investment accounts.

ARE THERE ANY LONG-TERM COMMITMENTS?

While we ask every Retirement Navigation Private Client to give us at least a year to add value to your planning, you can hire and fire us at will. This is fine by us, because unlike most “financial advisors,” we wake up every morning knowing we must deliver you maximum value or we’ll be fired.

Many “financial advisors” love to sell fat commission products then don’t care if you fire them because they already got the big payday. We don’t accept big fat commission paydays to sell you insurance and investment products like most other financial advisors here in Las Vegas.

DOWNLOAD A SAMPLE RETIREMENT PLAN BY CLICKING THE PDF TO THE LEFT. WHEN YOU’RE READY TO GET YOUR PLAN STARTED…