How we work

A clear, collaborative process — from first conversation to ongoing partnership.

We use RightCapital, a goals-based financial planning platform, to build and maintain every client's comprehensive financial plan. Here is exactly what that process looks like — step by step.

Why RightCapital?

RightCapital is a professional-grade planning platform that lets us model your complete financial picture — retirement income, Social Security, taxes, insurance, and estate — in one interactive tool. You get your own secure client portal to view projections, run "what-if" scenarios, and track progress between meetings.

Learn about RightCapital

The process

Five steps from discovery to ongoing partnership

Week 1

Discovery meeting

We start with a conversation — not a sales pitch. We want to understand your goals, concerns, current financial picture, and what a successful retirement looks like to you. There is no obligation and no cost for this meeting.

→Review your current assets, income, and liabilities
→Understand your retirement timeline and spending goals
→Identify key risks: longevity, health care, sequence-of-returns
→Discuss Social Security and pension options
→Explain our fee structure and how we work

Weeks 1–2

Data gathering & RightCapital setup

Once you decide to move forward, we gather the detailed information needed to build your plan. We set up your RightCapital portal and begin populating your financial picture — accounts, income sources, expenses, insurance, and estate documents.

→Account statements and beneficiary designations
→Social Security estimates (ssa.gov)
→Pension and annuity details
→Insurance policies (life, long-term care, disability)
→Estate documents (will, trust, powers of attorney)

Weeks 2–4

Plan development

We build your comprehensive financial plan in RightCapital. This includes retirement income projections, Social Security optimization analysis, tax-efficient withdrawal sequencing, and stress-testing your plan against market downturns and longevity scenarios.

→Retirement income and spending projections
→Social Security claiming analysis (multiple scenarios)
→Tax-efficient withdrawal sequencing (taxable / IRA / Roth)
→Required minimum distribution (RMD) planning
→Monte Carlo stress testing for market and longevity risk
→Insurance and estate gap analysis

Weeks 4–6

Plan presentation & investment implementation

We walk through your plan together — every projection, every recommendation, every trade-off. You ask questions, we refine assumptions, and we agree on an investment strategy. Accounts are then transitioned to our management at Charles Schwab.

→Full plan review in your RightCapital portal
→Investment policy statement and asset allocation
→Account opening and transfer to Schwab
→Portfolio construction and initial investment
→Advyzon reporting portal setup

Annual + as needed

Ongoing review & updates

Your plan is a living document. We review it at least annually and update it whenever your life changes — a new job, a health event, a market shift, a change in tax law. Your RightCapital portal is always current so you can check your progress any time.

→Annual comprehensive plan review meeting
→Quarterly portfolio performance reporting via Advyzon
→Ad-hoc reviews triggered by life events
→Tax-loss harvesting and rebalancing as appropriate
→Updates to Social Security, RMD, and estate strategies

What you receive

Everything included in your advisory relationship

Comprehensive financial plan

A living document in RightCapital covering retirement income, Social Security, taxes, insurance, and estate — updated as your life changes.

RightCapital client portal

Secure 24/7 access to your plan, projections, and "what-if" scenarios. See your full financial picture in one place.

Portfolio management

Disciplined, evidence-based investment management through Charles Schwab, with quarterly performance reporting via Advyzon.

Social Security analysis

Detailed modeling of claiming ages and spousal strategies so you can make the decision that maximizes your lifetime benefit.

Tax-efficient withdrawal planning

A sequencing strategy across taxable, IRA, and Roth accounts designed to minimize your lifetime tax burden.

Annual review meetings

At least one comprehensive review per year, plus ad-hoc meetings whenever a significant life event warrants it.

Common questions

Planning process FAQ

What is RightCapital and why do you use it?+

RightCapital is a goals-based financial planning platform that lets us model your full financial picture — retirement income, Social Security, taxes, insurance, and estate — in one interactive tool. Clients get their own portal to view projections, run "what-if" scenarios, and track progress between meetings.

How long does the financial planning process take?+

The initial discovery and plan-delivery phase typically takes four to six weeks. After that, your plan is a living document we review and update at least annually — and whenever a significant life event warrants it.

Is financial planning included in your advisory fee?+

Yes. Comprehensive financial planning using RightCapital is included for every advisory client at no additional charge. Our fee starts at 1.00% of assets under management annually.

What information do I need to bring to the first meeting?+

Recent account statements, a list of income sources (salary, Social Security, pension, rental income), any existing insurance policies, estate documents (will, trust, beneficiary designations), and a rough sense of your monthly spending. We will guide you through the rest.

Do I need to move my accounts to Schwab?+

For accounts we manage, yes — we custody client assets at Charles Schwab, which provides independent safekeeping, transparent reporting, and SIPC protection. We will handle the transfer paperwork.

Start with a conversation — no obligation.

The first step is a complimentary discovery meeting. We will listen to your goals, answer your questions, and explain exactly how we can help.

Schedule a free consultation

Minimum account size $250,000 · Fee-only · Fiduciary · CFP® · AIF®