financial planning
Retirement Transition Planning designed for you
The retiree's dilemma
You have worked your entire life to get to financial freedom. You have diligently saved and invested your hard-earned dollars to be able to leave your career and open up your time and energy to a world of possibilities.
There are primarily 4 distinct retirement planning strategies to turn your assets into reliable income for the rest of your life. Unfortunately, most financial advisors only use 1 or 2 of them and they force you to use their preferred strategy, instead of your preferred strategy. This can result in the retiree feeling like a square peg being shoved through a round hole.
The Presidio plan
The Presidio Retirement Transition Plan is built around understanding how you think and your preferences towards managing risks. Then a plan is tailored to your unique personality to turn your assets into reliable income throughout your retirement years.
The Result: You will enjoy your “golden years” more when you are confident that your finances are taken care of by a plan designed for you.
See which retirement strategy fits YOU
There are primarily 4 distinct retirement income strategies. Find out which one is best for you and your personality. Take a complimentary Retirement Income Style Awareness® assessment!
5 Key aspects to our retirement transition plan
In a world where defined benefit pensions are almost extinct, retirement transition planning has never been more important. Retirees must now manage the investment and longevity risks that have been passed onto them. The Presidio Retirement Transition Plan focuses on 5 key aspects to living off your assets:
tax efficient distribution strategies
Lower your long-term tax burdens by leveraging the tricks embedded in the IRS Code.
Turning your assets into income is complex. Optimize your income stream in your retirement years.
MAXIMIZING CASH FLOW
Risk stress testing
Test your retirement plan against worst-case scenario events. Address the 18 risks that are unique to retirees.
Determine when and how to begin taking social security so you can get the most out of it.
social security optimization
Estate planning
Cast the maximum amount of wealth to the next generation instead of Uncle Sam.
what are the next steps?
Presidio Retirement Transition Plan Process
Step 1: Set up an introductory meeting to get acquainted and walk you through the process
Step 2: Think about it
Step 3: Complete fact-finding questionnaire, securely share financial documents, and sign planning agreement
Step 4: First Presidio Plan Meeting – State of the Union
- Build your financial model in our planning software
- Get access to your own client portal to the account aggregation tool
- Review protection planning / cash flow
- Review most recent tax return and potential tax pitfalls
Step 5: Second Presidio Plan Meeting – Investment Coaching & Analysis
- Clearly define your true purpose for your retirement and wealth
- Discover the Wall Street bullies and investor behavior dilemmas
- Learn about the academically-sound way to engineer a portfolio
- See how your current investing strategy compares to academic research
- Identify your risk tolerance
Step 6: Third Presidio Plan Meeting – Retirement Visualization
- Have the necessary conversations to create your dream “golden years”, while considering the factors connected to happiness and fulfillment in retirement
- Review your Retirement Income Style Awareness® Profile to help us find a retirement income plan tailored to your preferences and not to our firm’s preferences
Step 7: Fourth Presidio Plan Meeting – Delivery of the Presidio Plan
- Receive clear and concise action steps to create a “Presidio fortress” around your retirement
- Review healthcare risk management, Social Security options, tax-efficient distributions, debt management, investment planning, and estate planning
- Provide clear retirement option dates and tradeoffs for choosing earlier or later retirements
- See how you can reduce your taxes over your lifetime, not just reduce them this year
Step 8: Ongoing Retirement Analysis and Coaching (if minimum asset requirement is met)
- Semi-annual meetings to review our three lanes of focus: Retirement and Financial Planning, Investment Coaching, and Tax Management and Retirement Distribution Planning to avoid running out of money
- At retirement, receive a Retirement Policy Statement to clearly define the retirement strategy, provide distribution rules to follow to not overspend, and address the 18 risks unique to retirees such as longevity risk, inflation risk, sequence of returns risk, etc.
- Receive monthly investment coaching webinars to address current events and help our retiree clients cut through the noise from sensational media and provide perspective to support the disciplined investor
HAVE QUESTIONS? SCHEDULE AN INTRODUCTORY MEETING WITH ONE OF OUR COACHES
Schedule a complimentary, introductory meeting to get acquainted with us.
Presidio Financial is a registered investment advisor in Texas and Louisiana.
5850 San Felipe Suite 500 Houston, TX 77057
711 W Bay Area Blvd Suite 272 Webster, TX 77598