The Retire With More Process
Dream it | Design it | Deliver it | Do It
Through our “Retire with More” planning process, the professionals at Avina Financial Group will get to know you and your retirement wishes so we can create a comprehensive strategy to help you realize your dreams. When you work with us, you can expect to receive unbiased, confidential advice from an experienced advisory team committed to always putting your best interests first.
At our initial consultation, we will dream with you so we can gain a firm understanding of what “Retire with More” means to you. Maybe it means more financial confidence. Maybe it means leaving a legacy. Maybe it means more travel. Whatever your ideal retirement looks like — whether it’s more time with the grandkids or more time for grand adventures — we’ll work together to identify it and formulate a plan to achieve it.
What You Should Bring to Your First Meeting
- Most recent monthly statements from brokerage accounts, mutual funds, your IRA, 401(k)s, annuities, stocks, bonds, pensions and Social Security
- A list of all CDs with maturity and interest rates
- All life and disability insurance policies
- All annuity contracts
- Last year’s federal tax return
- Will and trust
- Budget (if available)
During your second meeting, we will design your “Retire with More” plan, a written retirement income strategy designed to help ensure you reach your dreams and objectives. Factoring in issues such as tax consequences, risk tolerance and investment fees, we will begin guiding you along a path to financial confidence.
We’ll stress test your investments, income plan and other strategies to make sure they’re best suited for your objectives. If we spot a potential weakness, we’ll make recommendations aimed at providing more of what you desire and deserve.
By our third meeting, you will be ready to journey into retirement with confidence. We will arm you with all of your written materials — financial documents, statements, policies, etc. — in a bound plan that will take the guesswork out of your financial future.
Although your “Retire with More” process is complete, the job of serving you and evaluating your ongoing needs isn’t finished for us. Once your plan is implemented, we provide continual guidance and follow-up, meeting with you regularly and making ourselves available to answer questions or offer advice as circumstances change and opportunities arise.
What’s left to do? At this point, that’s entirely up to you. All that’s really left is for you to determine how to live your dream!
We offer services in these three areas:
Prepare for retirement by putting your hard-earned assets to work.
Retirement Income Strategies
Protect the assets that can help you live the retirement you’ve always imagined.
Asset Protection Strategies
Long-Term Care Strategies
Provide for the people and causes you care about the most.
IRA Legacy Planning
We can also refer you to professionals who provide the following services:
Health Care Planning
What Else Do We Do?
When you meet with the professionals at Avina Financial Group, you receive help with everything from homeowners and health insurance to Medicare and mitigating tax liabilities.
You also receive analytical services to help inform your decisions, including:
Social Security Analysis
The question isn’t when can you take Social Security; it’s when should you start drawing Social Security to optimize your benefit. We can help you determine a timeline that works best for you.
Investment Expense and Risk Analysis
Are you paying too much in fees or subjecting yourself to too much risk? Those are essential questions every retiree and pre-retiree must ask. We can help you find answers.
Retirement Income Analysis
Are your income streams sufficient to ensure you won’t outlive the retirement nest egg you worked so hard to build? Let’s take a look and make sure.
Other questions we can help you answer:
- What can I do to help shield myself from rising or unnecessary taxes?
- How would a long-term care policy affect me and how would I pay for it?
Ready To Take
The Next Step?
For more information about any of the products and services listed here, schedule a meeting today or register to attend a seminar.