Whether you’re five years away from retirement or five years into retirement, we’ll help guide you through the steps necessary to secure enough assets for your optimal retirement lifestyle. After evaluating your current financial situation, we’ll identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment.
The OAR process is a stand-alone fee for service financial plan that results in a comprehensive delivered document. You can use this as a roadmap to implement our recommendations on your own or hire us to implement the recommendations and maintain the plan.
Fee Schedule for OAR:
$0-1,000,000 - $1250-$2250
$1,000,001 - 3,000,000 - $2250-$4250
$3,000,001 - 5,000,000 - $4250- $6250
>$5,000,001 - Negotiable
*This fee is indicative of a standard fee charged by T.R.U.E Financial Guides. Based on the complexity of a client's financial situation, this fee may be negotiated on an individual basis.
The OAR planning process includes 3 steps:
We first understand what is important to you in your retirement plan by discussing your retirement goals. We then gather comprehensive data using a cross disciplinary approach reviewing your entire financial situation. This includes a deep dive into your financial statements, Will and other estate documents, employer based retirement plans, employer based insurance, private insurance, health care insurance, Social Security benefits and possible inheritance and or other sources of future income. We gather the most recent 3 years of tax returns to understand your current and future tax liability. In addition, we analyze your current budget to understand spending habits and discern needs versus wants. This approach puts into focus your current financial and estate landscape.
We utilize our best in practice software to analyze your current investments uncovering investment allocations, cost, and risk. In addition, we use industry leading financial planning software inputting your goals and data to design a tailored plan that will achieve your goals for years to come.
Based on the outcome of our analysis, we design an implementation strategy that comprehensively address all aspects of your financial and estate plan. This includes a clear investment plan to carry you through retirement identifying ways to efficiently transfer wealth to the next generation by limiting your taxable liability and eliminating or simplifying the estate probate process. We plan for long term care needs in retirement by reducing your financial risk for nursing home care.
If you are simply planning: your next vehicle purchase, trying to decide if cash or financing makes sense, considering paying off your house, looking for the best approach to buy your vacation home, or contemplating the leap into retirement, our team is ready to help you navigate those decisions. You get one chance at achieving your dreams in retirement, you don't have to make those decisions alone. We are here to help you achieve a successful retirement!