Club Package
Where Asset Management Meets Risk-Based Lifestyle & Legacy Planning
*Want To Know More About The Club Package?, Scroll Down To Find Out!
Club Package
Where Asset Management Meets Risk-Based Lifestyle & Legacy Planning
*Want To Know More About The Club Package?, Scroll Down To Find Out!
Licensed Independent Insurance Agent
Experienced Personal Financial Specialist
Licensed Independent Investment Advisor
- Licensed Independent Investment Advisor
- Licensed Independent Insurance Agent
- Experienced Personal Financial Specialist
Why Choose the Club Retirement Planning Package?
Take care of investing and planning needs all in one place!
Planning That Accounts
For Your Risks
Get the insights you need to feel confident about your future.
The Main Risks We Plan For
Actively Managed
Risk Appropriate Portfolios
Having risk appropriate investments in retirement is a must in a risk-based lifestyle and legacy plan. Because of this we will work closely with you and our portfolio design team to put together investment portfolios that match your comfort level in investing while also protecting against major market downturns in retirement.
- Aligned With Goals
- Minimized Losses
- Steady Growth
All Inclusive
Planning Services
Not only will we manage your assets, but we will also lay out a risk-based lifestyle and legacy retirement plan for you.
- Dynamic Retirement Planning
- Advanced Tax, Estate, & Charitable Planning
- Social Security Analysis
- Comprehensive Insurance Based Risk Management Solutions
A Peek Into Your Personalized Retirement Portal
All Your Accounts In One Place
Our dynamic retirement planning allows you to see all of your money in one place, including what you are spending! Once you sign on you will have full access to be able to connect investment accounts, cash accounts, and credit cards so you can get a true picture of where you are financially.
Highly Detailed Reports
Our plans include highly detailed reports on:
- Cash Flow
- Income Taxes
- Legacy Transfer
- Net Worth
- Retirement Withdrawals
- and More!
Each report not only gives you a generalized summary of the topic but also allows you to break it down into bite sized pieces so you can know which piece is having what impact on your retirement.
Simplified Summaries
We know not every moment needs a detailed report, that's why our plans also include a variety of summary reports giving you a quick view of what is going on.
Risk Evaluation
With Monte Carlo (What If) Simulations
Our planning allows us to analyze each of the top 10 risks that could face your retirement. It will also run thousands of Monte Carlo (what-if) simulations to help us give you the best possible chance for success.
Clear Step-By-Step Action
With clear, step-by-step actions, you can turn your retirement dreams into achievable milestones one step at a time.
Watch Video On Our Retirement Plans
Find Harmony With
Your Own Planning Team
Most advisors are not independent meaning they cannot sell you all available financial products. That's not the case for us, WE'RE INDEPENDENT INSURANCE AGENTS & INVESTMENT ADVISOR REPRESENTATIVES!
We can and will help you find the products that are best for you, because that is what we do. THIS IS YOUR RETIREMENT, not ours!
- Highest Credientials
- Fiduciary
- Independent
Risk-Based Lifestyle & Legacy Planning...
Retirement Planning Like the 1%, but for the Middle Class
Who Want To Live With Purpose, Leave A Legacy, & Reduce The Risk That Could Keep Them From Reaching Their Goals.
*Not Sure This Is For You? No Worries, Scroll Down To Find Out!
Let's Review...
Additional Services Included
Strategies for Top 10 Retirement Risks
It Should Be A Given, But It Isn't Always...
Our planning allows you to easily breakdown your future by each risk allowing you to better understand what your priorities should be.
Additionally it allows you to see if you are over protected in an area allowing you freedom to move hard earned assets somewhere else.
Cash Flow Planning
A Customized Approach to Retirement for Everyone...
Retirement has changed, but many advisors' approach to retirement hasn't. There are new risks today that your parents didn't have, but by using Risk-Based Planning we can help you manage them. Furthermore, we don't COPY and paste someone else's retirement plan on you. Instead we show you how much we CARE.
Our CARE Approach
C - Customize our A - Approach to R - Retirement for E - Everyone!Most Other Advisors COPY Approach
C - Clone O - Our P - Planning on Y - You
Advanced Tax Planning
Maximize Your Wealth, Minimize Your Taxes
Our Advanced Tax Planning for Retirement service is designed to help you keep more of your hard-earned money while ensuring a financially secure future. We take a strategic, proactive approach to tax efficiency, helping retirees and pre-retirees reduce their lifetime tax burden through customized strategies tailored to their unique financial situation.
Long-Term Care Cost & Probability Analysis
Plan Ahead, Protect Your Wealth...
Our Long-Term Care Cost & Probability Analysis service helps you make informed decisions about future care needs by evaluating the likelihood of requiring long-term care and estimating potential costs. With healthcare expenses rising, proactive planning is essential to safeguard your retirement savings and maintain financial security.
Help To Implement & Monitor Plan
Stay On Track For A Secure Future...
Creating a retirement plan is just the beginning—success depends on proper implementation and ongoing monitoring. Our Retirement Plan Implementation & Monitoring service ensures that your financial strategy is executed effectively and stays aligned with your evolving goals, market conditions, and tax laws.
Lifestyle and Legacy Coaching
Live With Purpose, Leave A Lasting Impact...
Retirement isn’t just about finances—it’s about designing a fulfilling lifestyle and creating a meaningful legacy. Our Lifestyle & Legacy Coaching for Retirement service helps you navigate this next phase of life with clarity, purpose, and confidence. Whether you want to explore new passions, strengthen family connections, or ensure your values are passed down, we provide the guidance to help you live intentionally and leave a lasting impact.
Shop Around
Our fees are hard to beat!
For Everything You Get
Club Package Includes
- Risk Appropriate Wealth Management
- Your Own Planning Team
- Strategies for Top 10 Retirement Risks
- Social Security Analysis
- Cash Flow Planning
- Advanced Roth Conversion & Tax Planning
- Dynamic Risk-Based Lifestyle & Legacy Plan
- Retirement Blueprint
- Help To Implement & Monitor Plan
- Long-Term Care Cost & Probability Analysis
- Personalized Retirement Portal
- Elder Care Planning
- Estate, Gift, & Wealth Transfer Planning
- Seasonal Planning Services
- Special Client Events
SAVE: $2,495+
In Planning Fees
Only: 1.1-1.3%
Asset Under Management Fee*
LIMITED NUMBER OF SPOTS AVAILABLE
*Fee is billed monthly as 1/12 of established AUM Fee
(Initial contract is for 1 year, you can cancel anytime after that.)
$250K - $500K
1.3%
AUM Fee
(Assets Under Management Fee)
$500K - $1 Million
1.2%
AUM Fee
(Assets Under Management Fee)
$1 Million +
1.1%
AUM Fee
(Assets Under Management Fee)
Shop Around
Our fees are hard to beat!
For Everything You Get
Club Package Includes
- Risk Appropriate Wealth Management
- Your Own Planning Team
- Strategies for Top 10 Retirement Risks
- Social Security Analysis
- Cash Flow Planning
- Advanced Roth Conversion & Tax Planning
- Dynamic Risk-Based Lifestyle & Legacy Plan
- Retirement Blueprint
- Help To Implement & Monitor Plan
- Long-Term Care Cost & Probability Analysis
- Personalized Retirement Portal
- Elder Care Planning
- Estate, Gift, & Wealth Transfer Planning
- Seasonal Planning Services
- Special Client Events
SAVE: $2,495+
In Planning Fees
Only: 1.1-1.3%
Asset Under Management Fee*
LIMITED NUMBER OF SPOTS AVAILABLE
*Fee is billed monthly as 1/12 of established AUM Fee
(Initial contract is for 1 year, you can cancel anytime after that.)
$250K - $500K
1.3%
AUM Fee
(Assets Under Management Fee)
$500K - $1 Million
1.2%
AUM Fee
(Assets Under Management Fee)
$1 Million +
1.1%
AUM Fee
(Assets Under Management Fee)
As Fiduciaries
"Your Best Interest Is Always Our Top Priority
Think of us as your dedicated guide, committed to protecting and advancing what matters most to you."
what To expect...
Once Signed Up
Our goal is to get you set up for the retirement that lets you live a life of purpose and leave a lasting legacy.
5-6 Weeks Of Onboarding
We'll meet with you for an hour once a week for approximately 5-6 weeks to gather the needed information, present your plan, and educate you on any recommended strategies.
Seasonal Meetings
Following that we will meet with you on a seasonal basis throughout the year where we will address timely topics and give additional help with implementation or plan adjustments if necessary.
Week 1
Vision Fit & Commitment
Week 2
Discovery & Data Intake
Week 3
Risk Assessment & Greenhouse Preview
Week 4
Financial Structure & Product Decisions
Week 5
Tax Estate & Final Integration
Week 6
Plan Activation
Optimize Your Retirement Plan With
Seasonal Planning
While many advisors follow a quarterly planning system few do seasonal planning that allows you to better implement and plan for the issues ahead. Below are the services you can expect to be reviewed each season when you work with us at our club level.
Spring Review
- Risk Management
- Elder Planning
- Life & Health Insurance
- Disability & Long-Term Care Insurance
- Property & Liability Insurance
- Review Investment Portfolio
- Risk Management
- Elder Planning
- Life & Health Insurance
- Disability & Long-Term Care Insurance
- Property & Liability Insurance
- Review Investment Portfolio
Summer Review
- Estate Planning
- Charitable Planning
- Wills & Trusts
- Asset Titling
- Advanced Directives
- Planned Gifts
- Review Investment Portfolio
- Estate Planning
- Charitable Planning
- Wills & Trusts
- Asset Titling
- Advanced Directives
- Planned Gifts
- Review Investment Portfolio
Fall Review
- Tax Planning
- Retirement Planning
- Business-Related Documents
- Retirement Lifestyle Planning
- Review Investment Portfolio
- Tax Planning
- Retirement Planning
- Business-Related Documents
- Retirement Lifestyle Planning
- Review Investment Portfolio
Winter Review
- Cash Flow Planning
- Investment Planning
- Budgeting
- Savings
- Debt Management
- Review Investment Portfolio
- Cash Flow Planning
- Investment Planning
- Budgeting
- Savings
- Debt Management
- Review Investment Portfolio
*Please note this is a general plan for topics to be covered, if other issues arise in your life we will work to address these in a timely manner.
We know You Are Wondering...
How To Sign Up & What To Do Next
Asset Management/Club Package FAQ's
What Services Do Your Fees Cover?
They include full retirement planning, active asset management, and seasonal planning.
Who Is Your Custodian?
We use Charles Schwab as our custodian.
Are You Actively Managing The Assets?
Yes, The Institute For Wealth Management is our Registered Investment Advisor (RIA) that we work with that is actively managing your portfolio.
Do You Have To Manage All Of My Assets?
No, we can still help you plan for retirement while only managing a part of your assets. Please understand though by managing only a portion of your assets we will have some limitations in what we can do for you.
What Assets Do You Manage?
We can manage most personal investment accounts typically held at a bank or financial institution. We do not manage real estate, precious metals, crypto currency, or loose cash.
What Is Different About Your Portfolio Management?
We focus on risk appropriate portfolios for you and your retirement. Our goal is to minimize your downside risk so you don't have to hope for large, possibly risky, returns to make it through retirement.
Frequently Asked Questions
What Makes Risk-Based Planning Different Than Traditional Planning?
Traditional planning helps you get up the mountain (or to retirement), risk-based planning helps you get down the mountain (or through retirement).
Who Do You Work With?
We are best able to help individuals and couples age 50+ who have manageable assets (excluding their primary residency) worth $250,000+.
What Services Do You Provide?
Our basic services included risk-based retirement planning, retirement tax analysis, social security claiming strategizing, wealth/asset management, and more.
Do I Have To Move My Assets Over To Be Managed By You?
No, we offer multiple options with and without asset management.
What If I Already Have A Traditional Plan?
That is great, hopefully it is helping you get to retirement. We still recommend working with us though, as our specialty is combatting your financial risks that can prevent you from getting through retirement.
Why Should I Sign Up For This Now and Not Wait?
The longer you wait the more risk you are exposed to, for that reason we recommend individuals and couples start by their mid 50's where and when possible.
Is My Plan For My Spouse & I?
Yes, only in rare cases of divorce or other extraneous circumstances will you and your spouse need separate plans.
How Long Does It Take You To Put A Plan Together For Me?
Typically, the process is a couple of months. But if you include any underwriting for insurances and annuities you may want to put in place, times will vary.
Can I Do This Myself?
Yes, BUT! We can't emphasize this enough. While there are some of our services you can do yourself others require licenses and expertise that is not worth it for one individual to pursue just for their own retirement.
What If I Don't Have A Plan Yet?
No worries, as long as you are 50+ years old we can still help you! Risk-based planning doesn't require a traditional plan to be in place.
Could You Walk Me Through Your Process?
Absolutely, it's pretty simple on your end. First, schedule an appointment with our team. Second, show up to that online meeting. And third, provide the information needed for our team to put your stuff together... and you're done. Everything else we'll do behind the scenes or will reach out with any further instruction.
CONTACT US
1309 Coffeen Avenue, Suite 3851, Sheridan, WY 82801
Email: support@retirementriskadvisors.com
Toll free: 1 (855) 491-0400
Text us at: 1 (307) 264-2902
CONTACT US
1309 Coffeen Avenue, Suite 3851, Sheridan, WY 82801
Email: support@retirementriskadvisors.com
Toll free: 1 (855) 491-0400
Text us at: 1 (307) 264-2902
RETIREMENT PLANNING
© COPYRIGHT 2024 RETIREMENT RISK ADVISORS. ALL RIGHTS RESERVED.
© COPYRIGHT 2025 RETIREMENT RISK ADVISORS. ALL RIGHTS RESERVED.