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
Why Choose the Club Retirement Planning Package?
Take care of investing and planning needs all in one place!
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
Watch Video On Our Retirement Plans
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.
Find Harmony With
Investments That Compliment Your Plan
Investing does little good if it doesn't coincide with your plans and goals. With our Club Package that is no longer a problem as all of our portfolios are not only designed to meet your goals and risk tolerances, but are also designed to compliment your other retirement preperations.
- Risk Appropriate Portfolios
- Tax Efficient Investments
- Growth & Income Options
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
Your Own Planning Team
With The Freedom To Do What's Best For You...
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!
Strategies for Top 10 Retirement Risks
A Customized Approach to Retirement for Everyone...
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
It Should Be A Given, But It Isn't Always...
Many advisors get you in the door with a low fee promise on one individual service, not telling you of their hidden additional fees that can end up totaling as much as 10% + and have a significant impact on your retirement success.*
Not us though, you know everything we charge from the start.
*Pulled From - Robbins, T. (2014). Become the Insider: Know the Rules before you Get in the Game. In Money: Master the game: 7 steps to financial freedom. essay, Simon & Schuster.
Long-Term Care Cost & Probability Analysis
It Should Be A Given, But It Isn't Always...
Many advisors get you in the door with a low fee promise on one individual service, not telling you of their hidden additional fees that can end up totaling as much as 10% + and have a significant impact on your retirement success.*
Not us though, you know everything we charge from the start.
*Pulled From - Robbins, T. (2014). Become the Insider: Know the Rules before you Get in the Game. In Money: Master the game: 7 steps to financial freedom. essay, Simon & Schuster.
Help To Implement & Monitor Plan
It Should Be A Given, But It Isn't Always...
Many advisors get you in the door with a low fee promise on one individual service, not telling you of their hidden additional fees that can end up totaling as much as 10% + and have a significant impact on your retirement success.*
Not us though, you know everything we charge from the start.
*Pulled From - Robbins, T. (2014). Become the Insider: Know the Rules before you Get in the Game. In Money: Master the game: 7 steps to financial freedom. essay, Simon & Schuster.
Lifestyle and Legacy Coaching
It Should Be A Given, But It Isn't Always...
Many advisors get you in the door with a low fee promise on one individual service, not telling you of their hidden additional fees that can end up totaling as much as 10% + and have a significant impact on your retirement success.*
Not us though, you know everything we charge from the start.
*Pulled From - Robbins, T. (2014). Become the Insider: Know the Rules before you Get in the Game. In Money: Master the game: 7 steps to financial freedom. essay, Simon & Schuster.
Shop Around
Our fees are hard to beat!
For Everything You Get
When you sign up for our Club Package you get everything included in our Premium Package plus more!
$250K - $500K
Everything Included In Premium Planning Package
(Services Listed Below)
- Your Own Planning Team
- Strategies for Top 10 Retirement Risks
- Social Security Analysis
- Cash Flow Planning
- Advanced Roth Conversion Calculation
- Dynamic Risk-Based Lifestyle & Legacy Plan
- Retirement Roadmap
- Help To Implement & Monitor Plan
- Portfolio Risk & Diversification Review
- Long-Term Care Cost & Probability Analysis
- Personalized Retirement Portal
$500K - $1 Million
Everything Included In Premium Planning Package
(Services Listed Below)
- Your Own Planning Team
- Strategies for Top 10 Retirement Risks
- Social Security Analysis
- Cash Flow Planning
- Advanced Roth Conversion Calculation
- Dynamic Risk-Based Lifestyle & Legacy Plan
- Retirement Roadmap
- Help To Implement & Monitor Plan
- Portfolio Risk & Diversification Review
- Long-Term Care Cost & Probability Analysis
- Personalized Retirement Portal
$1 Million +
Everything Included In Premium Planning Package
(Services Listed Below)
- Your Own Planning Team
- Strategies for Top 10 Retirement Risks
- Social Security Analysis
- Cash Flow Planning
- Advanced Roth Conversion Calculation
- Dynamic Risk-Based Lifestyle & Legacy Plan
- Retirement Roadmap
- Help To Implement & Monitor Plan
- Portfolio Risk & Diversification Review
- Long-Term Care Cost & Probability Analysis
- Personalized Retirement Portal
- Advanced Tax Planning
- Elder Care Planning
- Estate, Gift, & Wealth Transfer Planning
- Risk Appropriate Wealth Management
- Seasonal Planning Services
- Lifestyle & Legacy Coaching
- Special Client Events
1.3%
AUM Fee
(Assets Under Management Fee)
- Advanced Tax Planning
- Elder Care Planning
- Estate, Gift, & Wealth Transfer Planning
- Risk Appropriate Wealth Management
- Seasonal Planning Services
- Lifestyle & Legacy Coaching
- Special Client Events
1.2%
AUM Fee
(Assets Under Management Fee)
- Advanced Tax Planning
- Elder Care Planning
- Estate, Gift, & Wealth Transfer Planning
- Risk Appropriate Wealth Management
- Seasonal Planning Services
- Lifestyle & Legacy Coaching
- Special Client Events
1.1%
AUM Fee
(Assets Under Management Fee)
Meet Now - Your Future Awaits!
$250K+ In Assets
(Needed to Qualify)
- Your Own Planning Team
- Strategies for Top 10 Retirement Risks
- Social Security Analysis
- Cash Flow Planning
- Advanced Roth Conversion Calculation
- Dynamic Risk-Based Lifestyle & Legacy Plan
- Retirement Roadmap
- Help To Implement & Monitor Plan
- Portfolio Risk & Diversification Review
- Long-Term Care Cost & Probability Analysis
- Personalized Retirement Portal
- Advanced Tax Planning
- Elder Care Planning
- Estate, Gift, & Wealth Transfer Planning
- Risk Appropriate Wealth Management
- Seasonal Planning Services
- Lifestyle & Legacy Coaching
- Special Client Events
SAVE: $2,495+
In Planning Fees
Only: 1.1-1.3%
AUM 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.)
Your Own Planning Team
Strategies for Top 10 Retirement Risks
Social Security Analysis
Stack Product Number 5 Goes Here
With Additional Information below it if you need more room for extra copy
$997 (Value)
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
Gather & Verify Data
Week 2
Present 1st Draft of Plan & Roadmap
Week 3
Answer Questions & Make Adjustments
Week 4
Present & Educate On Final Plan
Week 5
Plan Education & Implementation
Week 6
Plan Education & Implementation
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
Summer Review
- 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
Winter Review
- 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
© COPYRIGHT 2024 RETIREMENT RISK ADVISORS. ALL RIGHTS RESERVED.