The Waypoint Method™

We’ll discuss your current situation, your goals, and your priorities.

After the meeting we’ll map out your initial retirement plan and send you a written summary of our initial action items within 48 hours.

Review our initial retirement plan and choose what’s right for you:

1. Start now → You’ll e-sign & we’ll reach out to get started.
2. Need More Time? → optional 20-30 min. additional call (we encourage your partner to be there too)
3. No, thanks → you still leave with a little more clarity than you had before.

Welcome! This is where the fun begins.

• Learn about you & your goals: We want to get to know you and what would make for a retirement & life well lived.
• Collect the essentials: statements, policy documents, tax returns, and more.
• Set up tools: create your secure client portal.
• Define our process: meeting cadence, responsibilities, and expectations.

• See the full picture: map income, fixed costs, and variable spending.
• Check your savings plan: emergency fund, short-term buckets, and priorities.
• Automate what we can: iinvestment allocation, savings, and debt payoff rules.
• Stress-test cash flow: upcoming life events, childcare, home projects, job changes.

• Goals-based allocations: target mix of stocks, bonds, & alternatives based on your goals, timelines, and volatility capacity.
• Refocus on income strategy: Determining how much can you take out every month in retirement.
• Diversification: Ensure that you have a structured portfolio that’s built to withstand the market-downturns.
• Tax-aware implementation: account location, rebalancing, RMD planning, and low-cost, evidence-based funds.

• Reduce surprises: coordinate withholding, quarterly estimates, and deductions.
• Contribution Strategies: pre-tax vs. roth, backdoor/mega backdoor roth.
• Plan the path to retirement: savings rate, expected investment returns & expected retirement expenditures.
• Future income design: Social Security timing, pensions/RSUs, Roth conversions.

• Protect income & family: life and disability insurance needs.
• Shield liability: umbrella, home/auto, and coverage gaps closed.
• Health & longevity: HSA strategy, Medicare/HDHP fit, and LTC considerations.
• Benefit coordination: workplace coverage vs. private policies—costs and trade-offs.

• Get the right documents in place: will, trusts (when appropriate), financial & medical powers of attorney, advance directives, and HIPAA releases.
• Plan for kids and care: name guardians, define trustee roles, and set up practical instructions for cash flow and caregiving.

• Optimize your strategies as we receive feedback from their implementation
• Measure progress and adjust as life changes.
• Quarterly Review Meetings
• We begin implementing a 12 months/12 subjects system. Each month we’ll focus on a different area of your personal financial situation so that you don’t have to.