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The Ricker 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:
We’ll get to know you and find out what’s important to you. We will ask
that you bring specific documents and records, and we’ll learn where
you stand financially and when you hope to retire. We will help you determine your goals and your personal priorities. This phase will help us design a checklist of action steps and recommendations.
Based on your financial information and your personal goals, a comprehensive written financial plan, along with an analysis of your existing holdings, will be developed and presented to you. We will address:
• Investments
• Insurance
• Tax planning
• Estate planning
• Recommendations for your retirement income strategy
• Cost of proposed investments
Once you have decided to move forward, we will put your custom plan into action. By working with you and other professionals, we will ensure that you completely understand your plan and strategy.
We will regularly report our progress toward reaching your goals. At least annually, we will want to meet with you to discuss where we are on implementing your strategy and review your overall situation. We will make recommended changes when necessary.
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