The 365 Retirement Plan

Because retirement never takes a day off

Our retirement planning process is designed to create a personal relationship with our clients, taking the time to truly understand their unique personal and financial situation. Just as no two people are alike, we believe no two retirement plans should be, either. We take the time to create customized strategies to achieve our clients’ retirement goals.

When our clients enter retirement, they start what we call “permanent unemployment.” When we are working, we collect a paycheck and we have days off. This is not the case in retirement. We have designed the 365 Retirement Plan to help our clients have a successful retirement outcome every day of the year.

The process includes the following:

Discovery/Getting to Know You

We start with the big picture of where you want to be in retirement. During this discovery phase, we ask a lot of questions regarding your personal situation and financial goals for retirement. You’ll hear us ask things like:

  • What is your current budget/expenses?
  • How do you envision retirement?
  • Do you wish to leave a legacy to your heirs?
  • Are your parents living? Will you need to help them?
  • What is your attitude towards investment risk?
  • Do you have a pension and Social Security?

All of these questions help us shape the unique retirement planning strategy designed for you. During the discovery phase we also take the time to answer any questions you have which helps us further understand what is important to you.

Analysis of Current Portfolio

The next step in getting to where you want to be is finding out exactly where you are. We assess your current financial position with a detailed itemization of:

  • Real estate
  • Savings
  • Investments
  • Retirement accounts
  • Life Insurance
  • Social Security
  • & Everything else

We provide you with a clear, detailed document that outlines your total estate value.

Current Investments Strengths/Weaknesses

We take a look at your current investments and run a personal benchmark analysis. We explain the strengths and weaknesses of your current portfolio. We provide your percentage probability of success in retirement if you stay with your current investments, and a detailed analysis of what you are currently paying in fees. We show you whether you are on track to meet your goals based on our analysis, or if an adjustment is needed to get on track.


This is the part where we present our analysis, including the detailed 365 Retirement Plan. This presentation includes our recommendations and investment strategies. This comprehensive strategy coordinates all aspects of your personal and financial situation that we gathered in the discovery stage. We provide specific recommendations on how to accomplish your goals. We take the time necessary to present the plan and answer all of your questions. When creating our plans we strive to:

  • Provide advice tailored to your circumstances
  • Minimize & reduce future tax liabilities
  • Educate on strategies to protect & distribute assets
  • Build a foundation for reliable income to meet expenses
  • Implement strategies to grow savings efficiently and hedge inflation
  • Minimize /reduce risk


Together we decide the best option for you and put your customized 365 Retirement Plan into action. Our team is here to walk you through the paperwork and the account transfer process. You are now ready to embrace retirement with confidence.

Monitoring the 365 Retirement Plan

Your relationship with us has only just begun. We stay in touch with ongoing monitoring and make adjustments whenever necessary. Eight weeks after the initial implementation of your plan, we check-in and invite you in for an appointment to see if you have any questions.

As often as every six months, we sit down together and make updates to your plan, called a “review.” We review your plan’s performance and make any changes based on your personal and financial goals. Whether it’s a beneficiary change or an investment question, you have a dedicated team ready to help.