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How We Work

What working together looks like over the course of a year

Retirement planning is most effective when it follows a steady and predictable rhythm. Rather than reacting to events as they arise, we focus on having the right conversations at the right times throughout the year. 

Our annual planning rhythm is designed to strike a balance between thoughtful planning and simplicity—ensuring you’re never overwhelmed, and nothing important is left to chance.

A Predictable Planning Rhythm Each Year

Each year follows a clear, intentional structure. Meetings are focused and purposeful, and each one builds on the last—helping your plan stay aligned as life and circumstances change.

Your Planning Rhythm
  • Year One: Discovery → Tax Return Review (Pre-Filing) → Spring Planning → Fall Check-In
  • Ongoing Years: Tax Return Review (Pre-Filing) → Spring Planning → Fall Check-In
Discovery Meeting (Year One Only)

Purpose: Establish clarity and set the foundation for your ongoing planning relationship.

Focus:
  •  Your goals, priorities, and intentions
  •  Key concerns and questions
  •  Alignment around what matters most as you move into retirement
This meeting establishes early clarity and sets the foundation for your ongoing planning rhythm.
Tax Return Review (Pre-Filing)

Purpose: Ensure your tax return is accurate, complete, and ready for timely submission.

Focus:
  • Review of the draft tax return for accuracy and completeness
  • Confirmation that income, deductions, credits, and retirement distributions are reported correctly
  • Identification of any missing or unclear items before filing
  • Coordination to support timely and accurate submission
This is a focused, compliance-oriented review—not a full planning meeting.
Spring Planning Meeting

Purpose: This is the primary planning conversation of the year.

Focus:
  • Retirement income and cash-flow planning
  •  Investment positioning and risk alignment
  •  Spending patterns & priorities
  • Tax Strategy considerations for the year ahead
With the prior year’s tax picture finalized, we use this meeting to make thoughtful, forward-looking decisions and adjust your plan as needed.
Fall Check-In

Purpose: Review progress and prepare confidently for year-end and the year ahead.

Focus:
  • Year-to-date progress review
  • Income and withdrawal planning for the coming year
  • RMD coordination (when applicable)
  • Charitable giving considerations
  • Spending targets and guardrails
  • Investment strategy adjustments as needed
This meeting helps ensure you enter year-end feeling prepared, aligned, and confident.