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Wealth Management & Income Planning Helping You to and through Retirement

Where Are You On Your Retirement Journey?

(Note: These case studies are hypothetical, do not involve a Rubino & Wealth Partners client, and should not be construed as a guarantee.)

How We Help With Your Retirement Goals

Our retirement planning process is designed to create a personal relationship with you, taking the time to truly understand your unique personal and financial situation.

From discovery to recommendations and implementation, every step is designed with you in mind, and built to work for you, every-day of your retirement, 365 days a year.

Discovery Stage

Our first meeting is all about you — your concerns, your dilemmas, and yourultimate wish list for retirement. This thorough question-and-answer session is dedicated solely to you, and will help us create a solid foundation on which to build our second step in the process.

Our job is to listen to you and ask the right questions so we can help you create a customized plan.

Analyze Stage

We assess your current financial position with a detailed analysis of your:

Savings
Investments
Retirement accounts
Life insurance policies
Income surplus/deficit
Social Security benefits

At this stage, we will also take a look at your current investments and run a personal benchmark analysis. We’ll explain the strengths and weaknesses of your current portfolio, and provide your percentage probability of success in retirement if you stay with your current investments.

We show you whether you are on track to meet your goals based on our analysis, or if an adjustment is needed to get on track.

Recommendation Stage

This is where we present your customized 365 Retirement Plan. This presentation includes our recommendations and investment strategies.

This comprehensive strategy coordinates all aspects of your personal and financial situation that we gathered in the discovery stage. We provide specific recommendations on how to accomplish your retirement goals.

When creating your plan, we strive to:

Provide advice tailored to your circumstances
Minimize & reduce future tax liabilities
Educate about strategies to protect & distribute assets
Build a foundation for reliable income to meet expenses
Implement strategies to grow savings efficiently and hedge inflation
Minimize/reduce risk

We take the time necessary to answer any questions you may have during this stage of the process.

Implementation Stage

Together, we decide the best option for you and put your customized 365 Retirement Plan into action.

Our team is here to walk you through the paperwork and the account transfer process. You are now ready to embrace retirement with added confidence.

Maintenance & Monitoring Stage

Your 365 Retirement Plan is in place! You can have added confidence that we will monitor your plan’s performance and make suggestions as needed to help make sure it continues to be as successful as possible.

We regularly monitor your accounts, assets, and goals to help ensure they continue to align with the written plan we built together.

If anything changes with your desires or your situation, we 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.

Don't Go At It Alone

Whether you’re asking questions about when you can retire, how to manage your investments, or if you have enough to leave the impact you want for your family, we’re here to help.

That’s why we created “After The Paycheck”

In easy-to-understand language, our blog is designed to take the confusion out of the countless retirement income options in today’s world. Below is some of the latest we have to share:

Are You Poised To Lose A Popular Tax Deduction In 2024?
Currently, those who are age 50 and older can make catch-up contributions in their 401(k) accounts each year, with eligible workers allowed to put an extra $7,500 into their accounts, for a total of […]

Risk Tolerance Vs. Risk Capacity: How Psychology Can Ruin Your Retirement Plan
In the realm of investing and retirement planning, two crucial ideas are frequently interchanged, but possess separate definitions - risk tolerance and risk capacity. While risk tolerance pertains […]

How A Tax Planning Strategy Today Could Help Maximize Income In Retirement
When over 250 recent retirees were asked, in terms of expenses, what the biggest surprise was in retirement, do you know what the number one answer was? 1 Taxes. While respondents overestimated […]

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Let’s Chat.

Whether you’re asking questions about when you can retire, how to manage your investments, or if you have enough to leave the impact you want for your family and community, we’re here to help.

Our 365 Retirement Plan Process™ is designed to create a personal relationship with our clients, taking the time to truly understand their unique personal and financial situation. Just as no two people are alike, we believe no two retirement plans should be, either. We take the time to create customized strategies to help our clients pursue their retirement goals.