How We Do It

Determining Your Retirement Need

Building Your Plan from the Ground Up

Determining your true retirement need isn't guesswork—it's a comprehensive data-driven process. We start by gathering detailed information on all your income sources (Social Security, pensions, rental income), current expenses, assets, and liabilities to create a complete financial picture. Then we have in-depth conversations about your goals for the future: When do you want to retire? What does your ideal retirement look like? What legacy do you want to leave? Do you plan to downsize, travel extensively, or help family members? With this information, we input everything into our specialized financial planning software, applying different inflation rates depending on the type of expense—because healthcare costs don't inflate at the same rate as general living expenses. We make informed income tax assumptions based on your unique situation and projected tax brackets. The software then generates detailed projections showing how your plan performs across different market scenarios and time horizons. We review this output together, stress-test various "what-if" scenarios, and refine the plan until you have a clear, actionable roadmap that reflects your reality—not generic assumptions.