Pinnacle Planning Process
If you are on a rugged mountain bike, chugging intensely up a steep mountain, you shift gears and push hard, maxing out your quadricep and gastrocnemius muscles to gain the necessary momentum. When you finally reach the top, the pinnacle, you are rewarded with a breath-taking view and sense of accomplishment that you have worked so hard for. However, after that is the descent, which takes different muscles (hamstrings, glutes, and calf muscles) and the larger, front chaining gears to slow yourself enough to make it safely to the end of the ride.
Much the same, when you summit the proverbial mountain of your finances and are ready to “change gears”, you need to find a way to do that with the least amount of stress possible. The climb is about accumulation. The focus must then shift to distribution and protection. Whether it’s during the ascent and descent, we have financial advisors that are waiting to guide you in how to handle the trail at any point in time.
We are a full-service retirement investing, healthcare, tax & legacy wealth strategies firm, which means that between our partner companies and us, we can help you with strategies for every kind of financial situation. This is a benefit to you, because we are able to fit all the parts together to take a big-picture view of your finances and move you forward on your journey.
Our Pinnacle Planning Process consists of 5 “checkpoints:
- An Introduction to one of our advisors
- A Discovery session where the advisor learns about you and your unique financial situation.
- A time of Planning where we take what we’ve learned and fit all the pieces together.
- We bring in our retirement investing, healthcare, tax & legacy wealth Strategies and find the ones that suit your needs.
- We show you the Products that work best for you!
We focus on five categories of financial planning strategies, and you may desire our assistance in one or more of these areas:
- Retirement income strategies – Between all your sources of income after you stop working, will you have enough cash flow to meet your monthly needs and goals? Social Security, pensions, and investment income all contribute to the total.
- Investment strategies – What mix of products best suits your needs? Do you understand how to add life insurance as an asset class that can benefit both you and your heirs? Are your assets protected through your death and beyond? This is where LiSERT™ comes in to play. This helps determine the direction of your portfolio. We have decades of experience developing creative solutions to a myriad of situations. (To learn more about LiSERT™ please see below)
- Healthcare strategies – Medicare and Long Term Care -One illness can wipe out an otherwise solid nest egg in a matter of weeks if proper protection is not in place. We all know we need it, but what do the options mean? We can walk through the process with you.
- Tax strategies – Even if you have the previous three areas: income, investment, and health care covered; there is still the issue of taxes. No one wants to pay more taxes than they have to.
- Legacy strategies – Are you most interested in providing for your own needs? Do you want to leave an inheritance to your children and/or grandchildren? Would you like to explore options for leaving your estate to a charity? The answer is unique for each individual. These decisions help determine the plan for the previous four strategies.
Our Pinnacle Planning Process and retirement income, investing, healthcare, tax & legacy wealth strategies sets us apart from other financial companies because everything that we do has YOU as its focus. We change the way we look at things from a “product first” perspective that many companies have to a “client first” perspective. We put you at the top of our hierarchy to provide the services that you NEED or WANT, and not the services we want you to believe you need. We would love to hear from you to start this process with you!