What to Expect:

Our Commitment Is To:

• Maintain strictest security, privacy, and confidentiality at all times

• Seek to keep a similar risk tolerance level to that which you currently carry

• Track your financial updates using our proprietary financial tools

• Provide collaboration with your HG representative and support team at any time

• Help build protection from loss into your plan

• Make your goals our goals and help you achieve them

• Respect your contacts and references

We Will Ask You To:

• Please respect our time by being on time for appointments and coming prepared, having completed any work agreed upon

• Understand how we are compensated. Should you choose to do so, you can use our firm to implement any financial products that are appropriate to your overall strategy.

• Expand your sphere of impact by introducing us to the people you care about most, but only if you have benefitted from the process.

Exploring Alternatives

Explore alternative approaches on how you will turn your 401(k), savings, your business or other assets into income during retirement. This consulting process addresses the risk of outliving your income, a change of health, family changes, and other possibilities which might occur during twenty to thirty years of retirement.

Retirement Lifestyle Blueprint

In our first meeting, we will design the vision for what you would like your retirement to look like. This is achieved by helping you to clearly define what you'd like your retirement to look like and by understanding the threats that could get in the way if left unaddressed. The Retirement Lifestyle Blueprint that we generate during this conversation will guide our discussions and decisions during the rest of the process.

Data Gathering & Clarification

At this stage, we will bring your entire financial picture into focus. By clarifying your financial data, we will come to a place of common understanding about exactly how your financial world is currently structured - and what that means to you from a retirement income standpoint.

Retirement Risk Analysis

With full data in hand, we will take a closer look at how well your potential retirement income must be protected from the unique risks that exist during this phase of life. Retirees face challenges during these years that their working counterparts did not. For example, the worry of living too long, the short-term timing of stock market returns, health risks, and interest rate risk, just to name a few. During this conversation, we'll agree on terms of what a retirement income must do to mitigate these risks to your cash flow and lifestyle in retirement.

Retirement Cash Flow Maximizer

At this step, we will examine your possible options for generating income in retirement. This conversation will involve delving into the specifics of how to allocate and balance various financial products such as investments, annuities and insurance, as well as the details of how to tactically make withdrawals that are tax efficient and free from risk so that you can feel confident about the amount and consistency of your retirement paycheck.