Formula Overview

We believe that the holistic development of each of these components is necessary in order to have a successful retirement. Below, you will find a brief description of each component. As always, if you have any questions, please contact us.


  • Goals

    Goals are the priorities that you want to achieve during your retirement.

  • Strategies

    Strategies are specific tactics that support your Goals and provide direction and design to your Portfolio.

  • Portfolio

    A customized Portfolio contains the necessary resources for your retirement journey.

  • Monitor

    Continual monitoring of your Portfolio is necessary for it to stay on track.

  • Review

    Regular and in-depth conversations help to ensure that your Plan continues to represent your current Goals.






Your Goals represent your needs, wants, and wishes. We assist you in establishing and prioritizing your Goals according to what is important to YOU. We forecast the probability of you successfully attaining your goals and optimize your Plan to provide the most efficient outcome. We believe that a successful retirement journey begins with identification of the Goals that you want to achieve.



A telescope aids in clearly seeing destinations that are at a distance from one’s current position. Because of this assistance, the captain of the ship can accurately head toward the desired destination. Like a telescope, we provide assistance and clarity in identifying the significant goals that should be part of your well-defined Plan.



Once your Goals are developed, we recommend specific Strategies that are designed to support your Goals, as your Plan supports you along the journey to your Goals. Strategies provide answers to questions such as:

  • When should I begin social security?

  • How do I make sure that my family is secure when I die?

  • How should I allocate my Portfolio?

  • Should I pay off my home mortgage before my retirement?

  • How would I pay for long-term care?

  • How do I minimize the impact of taxes during my retirement?



A map represents the route that a ship’s captain uses to navigate the ship. Along the journey, there are dangers to avoid and safe harbors to take shelter in. The map helps to provide direction to avoid dangerous situations that could misdirect you from reaching your goals. Like customizing a map, we choose specific Strategies that are designed to provide direction when facing issues such as taxes, investment risks, risk management, and other potentially difficult decisions that will be faced during the retirement journey.



Your Portfolio is the collection of all your financial resources. These include your bank accounts, investments, annuities, IRAs, 401(k)s, life insurance, long-term care insurance, wills, trusts, pensions, and social security. Your Portfolio is designed to support your Strategies, which in turn, support your Goals. Your Portfolio should be chosen by thoughtfully working through your Strategies and determining which resources will fulfill those Strategies.




A sailboat contains all of the items that the passengers should need for a successful journey. Retirement is another journey and your Portfolio should contain all of the financial resources that are necessary for your successful voyage. Having a well-designed Portfolio is very important to your success, but this Portfolio can only be designed after the Goals and Strategies have been developed.



It has been said that an airplane on course to its destination is actually off course approximately 90% of the time. So, how does it arrive safely at its destination? By the pilot’s continual monitoring and realignment of the plane’s direction to the planned destination. Like an airplane pilot, we serve as your retirement pilot to provide you with the necessary ongoing monitoring and realignment during your retirement journey.



A compass is used to review the ship’s path relative to its destination. Winds and currents can push you off of a well-designed course and thus could lead you to “running aground.” We, like a compass, continually monitor your progress and realign your sailboat so that you are continuing to head toward your goals.



Reviewing your Plan on a regular basis provides you with confidence that you will successfully reach your retirement destination. Our Review process involves in-depth conversations that focus on ensuring that your initial goals continue to be your current goals. We adjust your Goals, Strategies, and Portfolio as necessary to ensure that all are correctly aligned with what is important to you.