OUR PROCESSES

 "Simplicity is the ultimate sophistication" - Leonardo da Vinci 

Our Bucket Plan® process helps you design a clear and simple blueprint of your 25 to 30 year retirement journey. Whether you are in the accumulation, preservation, or distribution phase, you will discover that clarity can lead to prosperity!

Retirement Income Planning only has two possible financial outcomes: either the money outlives you, or you outlive the money. The former can make possible a retired life of dignity and independence, and legacies to those we love. The latter describes a retired life of scarcity and worry.

"If you spend more than thirteen minutes analyzing economic and market forecasts, you've wasted ten minutes." - Peter Lynch

Asset allocation, annual rebalancing and tax diversification are essential components of a well-crafted investment portfolio.  Successful investors are those who act continuously on a plan; failed investors continually react to market volatility. 

Our principles of portfolio management mirror Warren Buffett's teacher, the immortal Benjamin  Graham, who said: "The best way to measure your investing success is not by whether you're beating the market but by whether you've put in place a financial plan and a behavioral discipline that are likely to get you to where you need to go."

"The time to fix the roof is when the sun is shining." - President John F. Kennedy 

Tax Management is an integral part of wealth management. America's IRA Expert, Ed Slott, says taxes are the single biggest factor that will set people back from their retirement dreams. 

The inevitable tax ticking time bomb is coming. A good portion of your pre-tax money could be lost to taxes unless you plan ahead. If you could remove the Government from your retirement plan, how soon would you want to get started?