The In The Money Approach™
A Proven 3-Step Financial Planning Process
At In The Money Retirement, we believe a successful financial plan is more than just numbers — it’s about aligning your money with your life’s vision.
That’s why we guide every client through our In The Money Approach™ — a 3-step process designed to provide clarity, confidence, and control in retirement and business life.
1️⃣ Clearly Identify Your Goals Before any financial decisions are made, we help you gain clarity about what you truly want: What kind of lifestyle do you want to maintain or achieve? What legacy do you want to leave for your family or community? How do your personal goals align with your business and retirement plans? We start with your vision so that your plan is built around what matters most to you.
2️⃣ Tax Analysis to Minimize Lifetime Taxes One of the greatest opportunities for wealth preservation is proactive tax planning. We perform a deep tax analysis to uncover opportunities to minimize taxes over your lifetime through strategies such as: Roth Conversions Strategic withdrawal sequencing Business tax optimization for owners Gifting strategies and charitable giving Managing capital gains and investment income Your tax strategy should support your long-term goals — not just focus on this year’s return.
3️⃣ Align Your Investments With Your Goals Your portfolio should be designed to fund your vision — not simply chase returns. We help you align your investments to target the rate of return required to meet your goals with the right level of risk. Retirement income optimization Diversification and asset allocation Business exit and liquidity planning for owners Portfolio adjustments for changing life stages We believe in purposeful investing — with your life as the benchmark for success.