Our Planning Process

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At In The Money Retirement Planning, we believe great financial decisions happen through detailed analysis. Our goal is to help you make confident decisions by addressing the areas that have the greatest impact on your financial future first.

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Step 1: Introductory Call

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Our relationship begins with a brief introductory phone call. We'll discuss your goals, answer your questions, and determine whether we're a good fit to work together.

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Step 2: Discovery Meeting

 

This is where we get to know you.

 

We'll review your current financial picture, discuss your retirement goals, identify what's most important to you, and begin uncovering opportunities to improve your financial plan.

 

Topics often include:

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• Retirement goals

• Income and savings

• Investments

• Taxes

• Insurance

• Estate planning

• Employee benefits

• Business planning (when applicable)

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Step 3: Initial Recommendations

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After analyzing your situation, we'll present our initial recommendations.

 

This meeting focuses on the biggest opportunities we identify, including:

• High-level investment recommendations

• Initial tax planning opportunities

• Retirement planning priorities

• Immediate action items

 

You'll leave with a clear understanding of where you stand and where we believe you should focus first.

 

Step 4: Deep Dive Planning Session #1

 

Rather than trying to solve everything at once, we prioritize.

 

During this meeting we begin implementing strategies for the highest-priority planning opportunities, which may include:

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• Retirement income planning

• Social Security strategy

• Roth conversion analysis

• Cash flow planning

• Employer retirement plans

• Business owner planning

• Estate planning coordination

• Charitable Giving

• Long-Term Care

• Stress-Test for uncontrollable circumstances (inflation increases, social security disappears, etc.)

 

Step 5: Deep Dive Planning Session #2

 

Financial planning is an ongoing process.

 

In this meeting we continue working through the remaining planning opportunities identified during

 

Discovery and begin implementing the next phase of your customized plan.

 

Step 6: Investment Strategy & Annual Tax Planning

 

Once your financial foundation is in place, we focus on managing your wealth efficiently.

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During this meeting we'll discuss:

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Investment Strategy

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• How we manage portfolios through market volatility

• Rebalancing philosophy

• Risk management

• Changes needed as your life evolves

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Detailed Tax Planning

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We'll also review and implement tax planning opportunities for the current year, including strategies such as:

• Roth conversions

• Retirement account contributions

• Capital gain management

• Tax-efficient withdrawals

• Charitable giving strategies

• Income tax projections

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