The 365 Retirement Plan™

Rubino Online Wealth Partners, a financial plan is not a stack of papers that are difficult to follow, but rather a process. A process that leads to a comprehensive plan that becomes your North Star. On it are identified goals and actions that we can refer back to over time to make sure we stay on track. We call our process the three sixty five retirement plan. It's not a cookie cutter plan that's good for every single person, but rather a framework that focuses on five key areas. Over the years, working with hundreds of families and individuals, we continue to hear that these key areas are the most important, income, investments, tax planning, health care, and then legacy. Each of these will apply to people differently. For example, not everyone will benefit from the exact same tax planning strategy. One of the partners here at Rubino and Lang will walk you through the three sixty five retirement plan framework to help you discover how each of these key areas will apply to you individually. It starts with a retirement income plan followed by an investment plan to support your goals. Tax planning is forward looking, which is why we help you properly structure your retirement accounts. And you wanna make sure your health care costs, expected or unexpected, are included and budgeted for. Legacy ensures that your future years and passing assets to your family will be hassle free. This is all part of helping our clients build their own three sixty five retirement plan, working every day of the year so you don't have to. One thing that financial plans are not is that they're not set it and forget it type of thing. Over the years of working together, we will continue to monitor your situation so that you can take advantage of opportunities that may come up. At the end of the day, people wanna know that they have somebody by their side that they can lean on to and through a worry free retirement.

Year-Round Planning for Retirees in Boston, MA

Most financial advisors focus on helping clients accumulate wealth. We focus on helping clients turn wealth into sustainable income. At Rubino & Liang Wealth Partners, we work primarily with individuals and couples age 55+ who have accumulated $1 million or more and are preparing for retirement — or already there and are ready for a plan that works for them, 365 days of the year.

A financial plan is not a stack of papers… it’s a framework to follow that creates clarity, purpose and directives to serve as your north star.

4 Steps to a More Confident Financial Future

1. Explore Session

Before you become a client, you’ll schedule a phone call with one of the partners at the firm, so we can learn what you’re hoping to accomplish.

If we might be a good fit, we’ll prepare to meet for an Explore Session with the team.

During the Explore Session, we have three goals:

You get to express all of your concerns with your financial future.
You learn a bit more about your advisor and whether or not you think you would want to work with them.
You learn everything you need or want to know about Rubino & Liang Wealth Partners and the 365 Retirement Plan™ process.

If we mutually feel we can be of beneficial service to you, then we will engage in planning and will meet again to get started with the Design session.

2. Design Stage

In the Design Session(s), our team will get crystal clear on your retirement goals, needs, and concerns.

We will explore your unique financial narrative and answer your most pressing questions as we learn which essential items can help you get the most from your plan.

This session will be a back-and-forth conversation to make sure we are collecting the right information to build a retirement plan that addresses YOUR concerns, while using the most up-to-date data that you can provide.

From here, our team will get to work on creating a holistic framework that is tailor-made to your unique situation.

3. The 365 Retirement Plan™

The 365 Retirement Plan™ is a holistic framework that ensures you’ve covered your most important areas:

Income Distribution
Investment Strategies
Tax Planning
Healthcare Planning
Legacy

We want you to completely “buy-in” to your plan. A ‘fine-tuning’ period of a few weeks allows time for the goals you’ve created to settle in, follow-up questions can be asked, and if needed, components of your plan can be re-analyzed or strategized.

A series of future financial planning tasks are prioritized and scheduled as we wrap up the initial plan set-up and set the stage for our ongoing service to begin!

4. Ongoing Service

Once your plan is solidified, we will regularly monitor your accounts, assets, and goals to ensure they continue to align with the written plan we built together.

If anything changes with your desires or your situation, you can contact us and we will reconvene to adjust the plan as necessary to evolve with your needs. If we note anything of concern while monitoring, we’ll contact you so that we can choose a plan of action together.

Hi there. I'm Sam Lang of Rubino and Lang Wealth Partners. I'm the managing partner, and I wanna give you a good idea of what it looks like to work with us. You've heard about our three sixty five retirement plan and how our framework helps people to gain confidence with their financial plan. I wanna give you a more of a step by step of what it actually looks like. Step one is for us to have a phone call followed by what we call the explore session. We wanna get a sense of what matters most to you and whether or not we can deliver on what you're looking for. As a result of this two part step, we want you to come away feeling great about meeting with us. During that explore session, we'll help you learn everything that you need or wanna know about working with Rubino and Land Wealth Partners, and they get a good sense of what our services would feel and look like for you. If you feel we're a good fit, then we'll schedule the design session and get started. As your adviser helps you optimize your plan for income, investments, tax plan, and more, you will identify your action items and then prioritize them on a one page snapshot. After your financial plan, services are just getting started. We'll be tracking your progress and reaching out to you following our service schedule for things like tax filing and analysis, your spring and fall plan updates as well. More than anything, we wanna help you get beyond the calculations of retirement and into your next chapter in a way that reflects your vision. You're never alone. You'll have the peace of mind that comes with knowing we're always available, and you've built a plan designed to work every day of the year so you don't have to. After you have your financial plan, services are just getting started.

Combat Unpredictability with Action Points

Things You CAN Control Vs. Things You CAN’T Control

Saving and Spending	The Economy
When To Start Social Security (and/or Pension)	Stock Market Volatility
Minimize Your Taxable Income	Geo-Political Events
Monitor The Right Metrics	Rising Healthcare Costs

FAQs

What makes us different from other financial advisors?

There are three important things about our firm that separate us from others:

All we do is retirement planning. We are retirement specialists with a simple goal of making sure you don’t run out of money.
We limit the number of new clients we take on so we can ensure that our clients receive massive value and personalized service.
We invest in industry-leading technology to simplify our clients’ lives, so our retirement plans work every day of the year, so you don’t have to.

Who is a good fit to work with you?

We are retirement planning professionals and do our best work with:

Retirement investors over age 55 who are retired or want to live a “work optional” lifestyle in the next five years.
Diligent savers who have accumulated investments of $500,000 or more, excluding real estate.
People who value hiring a professional because they know their retirement is too important to manage it alone.

Do you offer an hourly or one-time project fee option?

We do our best work with people looking for a long-term relationship. Currently, our firm is not equipped to offer an hourly fee schedule or a one-time project fee option. If you need help locating a financial planner who offers these fee options, send us a note and we will do our best to get you in the right hands.

Why should I consider hiring Rubino & Liang Wealth Partners?

Great question! But first, let us explain why you shouldn’t hire us.

If you’re looking for someone who will simply trade stocks to “beat the market,” you’re in the wrong place. Why? Because we focus on what you can control. Predicting whether or not the stock market will rise or fall, or speculating what interest rates will do next, are not things you can control. But if you are interested in things like lowering your tax bill, investing smarter, and creating a reliable income stream in retirement, you’re in the right place.

Can you meet virtually?

Yes! While many of our clients are in Southern New England, we work with retirement savers all over the United States. Our firm is equipped to meet with clients and potential clients through the video conferencing software, Zoom. Each virtual meeting is protected by a complex, unique password and we adhere to the strict security guidelines necessary to protect your privacy.

Start building your 365 Retirement Plan™ today!

Fill out the form below to request your Retirement Income Assessment, and a member of our team will be in touch with you soon.

The 365 Retirement Plan™ Process