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The Ricker Retire Smart Process The Ricker Retire Smart Process was developed to help you be realistic
and successful in your retirement. It involves a series of detailed planning
sessions that will produce specific action steps to be implemented prior to and during retirement. It is designed to create a lifetime income stream so that you can live your life the way you want during your retirement years. Every client’s situation is unique. Your financial condition, coupled with your definition of retirement success, will be the guiding criteria that will help us determine the best plan for you. A successful retirement will result from developing a long-term plan and sticking to it. The Ricker Retire Smart
process includes four distinct phases: 
How We Create Retirement Solutions For You 
Appointment times: Monday - Friday 9 AM, 12 Noon and 3 PM We take the time to determine what is really important to you
- Goals – Ideal lifestyle in retirement
- Personal priorities
Where are you
- Financially
- In relation to your goals
Upon completion of this meeting, you will receive a detailed letter with what we accomplished and our recommended next steps. 
Development and presentation of a comprehensive, written financial plan, agreement of compensation, and an analysis of:
- Current investments
- Insurance coverage
- Tax planning strategies
- Estate planning
- Recommendations for your personal retirement investment/income strategy
- Review and confirm compensation structure
- Allow Ricker to handle all transfers to prevent penalties and tax consequences
- Understand your responsibilities in the implementation process
- EX 401(k) allocation changes, contributions
We will regularly report your progress toward reaching your goals:
- Quarterly Review – Review of investments and strategy
- Annual Meeting – At least annually, review investment strategy in detail, progress in relation to your goals, and stay up to date on your retirement plans
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