Our Process
How We Help
We Have a Structured Approach to Wealth Building
We don’t start with recommendations.
We start by understanding exactly where you are and where you want to go.
From there, we build a plan that makes sense of everything.
You don't have to figure this out alone.
How We Work
Go from uncertainty to an executed plan in just four steps.
STEP 1
Discovery Call
20-30 minutes
We start with a real conversation. No pressure. No sales pitch. We learn what matters most to you and where you stand today.
A short, no-pressure conversation where we can learn more about you, what you’re working towards, and answer any questions or concerns you may have.
We will also give you a clear sense of how we work, who we serve, and whether our approach makes sense for your situation.
If it feels like a good fit, we’ll walk you through the next step in the process.
STEP 2
Build CLarity
60-90 minutes
Zoom or in-person.
Clarity comes before strategy.
In this meeting, we take a comprehensive look at your financial life. This includes your pension, benefits, investments, taxes, estate plan, etc.
We’ll walk through what you have, how it fits together, and where there may be risks, inefficiencies, or missed opportunities.
By the end of our meeting, you’ll have a clear understanding of where you stand and what needs to be addressed next.
We don’t make recommendations until we fully understand your situation.
STEP 3
Design Your Plan
90 minutes.
Zoom or in-person.
We design a clear strategy around your life, your timeline, and your goals.
After gaining a full understanding of your situation, we develop a strategy to help you move forward with confidence.
In this meeting, we’ll walk through your plan in detail, including retirement income, tax considerations, investments, pension options, etc.
We’ll explain the reasoning behind each recommendation and outline the steps needed to put the plan into action. This is where everything begins to come together.
STEP 4
Move Forward
Ongoing
We help you implement the plan and adjust as life changes. We will put you in a position to grow assets and establish security.
Common Questions
Do I need to commit to anything after the discovery call?
No.
The discovery call is simply a conversation.
Most advisors may start with investment recommendations. We don’t.
It’s a chance for us to learn about your situation and for you to understand how we work.
If it makes sense to move forward, we’ll outline the next step.
If not, there’s no obligation.
What should I bring to the Clarity Meeting?
We’ll guide you on exactly what to bring ahead of time.
Typically, that includes:
Pension details
Account statements
Benefits information
Any existing financial plans
Don’t worry if you don’t have everything organized.
Part of this process is helping you make sense of what you do have.
What makes this different from other financial advisors?
Most advisors start with recommendations. We don’t.
We take the time to fully understand your situation first, especially how your pension, benefits, and other assets work together.
That’s what allows us to build a plan that actually fits your life, not just a generic strategy.
Do you specialize in first responders and military?
Yes.
We work specifically with first responders, active military, and veterans.
That includes understanding pensions, benefits, and the unique financial decisions that come with these careers.
When will I get solid recommendations?
During the Strategy Meeting.
We don’t make recommendations until we’ve gone through the Clarity Meeting and fully understand your situation.
That way, everything we suggest is intentional and aligned with your goals.
How long does the full process take?
The timeline depends on your schedule and the complexity of your situation, but most clients move from the initial discovery call to their strategy meeting within 4 to 6 weeks.
Our process is designed to give you time to gather information, think through important decisions, and move forward with clarity and not feel rushed.
Do you help implement the plan or just create it?
We help you implement it.
And we stay involved over time as your situation changes, so your plan continues to work for you.
Is this only for people close to retirement?
No.
We work with people at different stages, from those early in their careers to those preparing for or already in retirement.
How do I know if this is a good fit for me?
Start with the discovery call.
That’s the easiest way to get your questions answered and see if this approach makes sense for your situation.
Do I have enough saved?
That’s one of the most common questions we hear.
The honest answer is it depends on how everything works together.
Your pension, savings, benefits, taxes, and spending all play a role. Looking at one number on its own doesn’t tell the full story.
We’ve seen people with less saved than they expected still be in a strong position, and others with more saved who had gaps they didn’t realize.
That’s exactly what the Clarity Meeting is designed to answer.
Talk with us to assess your unique situation.
What if I’m behind?
You’re not the only one thinking that.
Most people we talk to aren’t sure where they stand.
If there are gaps, it’s better to see them early.
That gives you options.
In many cases, small adjustments made now can make a meaningful difference over time.
The goal is understanding where you are and making smart, informed decisions from there.
Still have questions?
Most people don’t have a plan,
They Only have pieces.
A pension here. A few accounts there. Benefits you don’t fully understand.
Without a clear strategy, it’s hard to know how it all fits together.
Not truly knowing:
When can you retire?
Is your Family Protected?
Are you making the right financial decisions
You deal with enough uncertainty on the job.
Your financial life shouldn’t feel the same way.
"Ryan has been a huge asset to our financial planning. Ryan took a holistic look at our lives, finances, short-term goals and long term retirement goals to create a plan that works for us and will benefit us in the long term. Great communication--after our first meeting. my to-do list was clear and concise. Ryan emailed or called often to let us know what he was doing on his end for us. Ryan is also very knowledgeable at public employee pensions and how those fit into retirement. Highly recommend!"
JEnna Smith
There is a clear path
We have a proven framework to understand your unique circumstance and make the best recommendations.
Working with first responders, active military, and veterans to build confidence in their financial future.
Office Hours
Mon - Fri : 9AM - 5PM
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