Refined Retirement has the expertise, experience, and strategic relationships to support all areas of your financial life.Our process for serving you starts with listening. Our team takes the time to understand our clients’ needs and collaborates to build their personalized financial plans by using our Refined Retirement Review process. Identifying optimal financial solutions to help clients achieve their desired financial futures is the last piece of the puzzle, never the first.
Financial Planning &
Wealth Management Services
Retirement planning
Retirement income
Investment management
Social security timing
Tax planning
Small company retirement plans
The individuals and families we serve value objective financial advice as they plan for and live their retirements or aspire to work-optional lifestyles. To support them, we have developed and REFINED a financial planning process that comprehensively addresses the relevant pieces of their retirement puzzles. We call it the Refined Retirement Review.
To bring all five of these pieces together into a cohesive plan, we:
We will evaluate all potential sources of your retirement income, including Social Security, pensions, and investments, to ensure they are stable and predictable. Our goal is to help you maintain your desired lifestyle throughout retirement.
This will be developed alongside your income plan. It outlines how we plan to allocate your assets and explains how our systematic investing process helps manage risk in your portfolio. This includes dynamically adjusting allocations by reducing exposure to asset classes or individual securities when they are in downtrends and maintaining or adding exposure to areas showing strength.
It is important that any comprehensive retirement plan include a strategy to help minimize taxes while maximizing tax efficiencies. The tax plan will outline how we intend to accomplish this for you.
We will create a plan to help you tackle the rising costs and confusion about healthcare options, as well as address long-term-care concerns.
It is important to make sure any remaining assets you’ve worked so hard for go to your chosen beneficiaries, as opposed to probate or taxes. The legacy plan details the documents and actions needed for your situation.
