Broker Check

Our Process

Because financial planning is truly an ongoing process, using the EASE Process works to ensure that plans are able to evolve into goals for the future. This method leaves for any type of change or plan alteration that may need to be incorporated along the way. 

Step 1: Envision. Get a deeper understanding of your current issues and retirement. Once we know your vision and goals, we separate out the goals that relate to Core, Joy and Legacy expenses and match them to income and assets. 

Step 2: Analyze. Once goals are separated out, we analyze your goals using our technology to help you “see’ a vision of your retirement lifestyle. 

Step 3: Solutions. We go over recommended financial solutions and strategies and make sure all questions are answered. 

Step 4: Evaluate. A financial plan is reviewed to account for any changes in your life. At this time any required changes to the plan will be implemented.  

Retirement Income Matrix 

In conjunction with the EASE process, we use a Retirement Income Matrix. This four-level pyramid-shaped diagram helps us to further envision how to transfer goals and dreams using actual assets and income strategies. 

Core Expenses. Makes up the foundation of the pyramid. The bulk of the income in this level typically comes from Social Security, employer pensions and, if applicable, annuity income strategies. These income streams take care of basic living expenses such as food, clothing and housing, etc. 

Joy and Goal Expenses. The middle two levels of the pyramid combines “Joy Expenses and Goals”. Because our clients have already secured the income from ongoing daily costs, the income for this second and third level can be spent much more worry-free on things that many may consider to be “wants” versus “needs”. 

Legacy Expenses. The top of the pyramid represents Legacy, something you may wish to leave for heirs or to charitable organizations. If assets that remain after accomplishing “Core Expenses” and “Joy Expenses and Goals”, these assets may be used in constructing the “Legacy Plan”.