Broker Check

Cost of Not Planning

“If you fail to plan, you are planning to fail!” Benjamin Franklin

Not having a plan to transition from your working years to retirement can be costly. A big financial shock during that fragile time near retirement can undo your dreams.

Have you considered the impact to you and your family if:

  • A big drop in your portfolio delays your retirement by 3 to 5 years.

    How would that make you feel?
  • Circumstances such as a job loss or an unexpected health issue force you to retire earlier than you planned.

    Would the reduced amount of time to save or continue working change your quality of life in retirement?
  • You run out of money in retirement.

    Is your family financially prepared to support you?

You can rest easy once you have taken the steps necessary to protect your retirement.

How I Get Paid

As a fiduciary, I will always act in your best interest and because of that the cost for us to work together is transparent and easily understood. To the extent that I am providing you with investment advisory services, including either financial planning services or ongoing investment advice as part of an RSF investment advisory program (i.e., fee-based managed account) pursuant to a written agreement and related disclosures that describes this investment advisory relationship, I am acting in a fiduciary capacity related to those services under the federal securities laws, in particular the Investment Advisers Act of 1940.

Create the Plan

I am compensated when I create a customized financial plan for you.

The cost of the plan is dependent upon the plan’s complexity and is agreed upon beforehand.

You are in control. We don’t do anything until you are ready to get started.

Implement the Plan

I can also help you put your plan into action.

I would then get paid based upon the solutions recommended.

This also will be clear and easily understood.