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When can I retire?

Financial Planning

 

Financial planning is much more than figuring out when you can retire.  During your working life there are many things in life that need to be funded:  house, college, weddings, etc.  During this pre-retirement phase, life insurance planning is critical.   But after these mid-life projects are funded, there needs to be enough savings and retirement income to cover living expenses and ultimately end of life long term care expenses.

Things a financial plan can help:

  • determining when you can retire, and the probility of success
  • planning for college funding
  • determining how much life insurance is needed
  • planning for long term care
  • determining risk level and asset allocation
  • tax planning
  • budgeting
  • optimizing the filing for social security

I’m not tied to any particular company, and I don’t have quotas or sales incentives that influence my recommendations. While I may earn commissions on certain financial products, my role is to help you understand your options so you can make informed decisions. Accepting this complimentary financial plan does not create any obligation, moral or otherwise, to purchase anything from me. My goal is simply to provide clarity and support as you plan for the years ahead.  I believe I am uniquely positioned due to my extensive experience working with life, health, annuities, social security, medicare, etc. so to help you achieve your life goals.

To get started, I please click on the button below and fill out the form with as much detail as possible, you’ll then be directed to schedule a 1-hour consultation with me for a free financial plan.  There is no specific format needed for the fields in the form.

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Financial Planning Questionnaire

Complete this important first step. After submitting, you will be redirected to book your 1-hour consultation.

    Step 1: Family Profile: Name, Relationship, DOB, State for each family member

    Step 2: Household Income: Description (salary, side gig, alimony, annuity, etc.), Annual Amount, Starts, Ends

    Step 3: Annual Savings: Description , Annual Contribution (dollars or pct of salary), Employer Match % details

    Step 4: Net Worth & Assets: Account Description , Type , Balance


    Allocation Equity % , Bond % , Cash %:

    Step 5: Expenses: Monthly living expenses

    Monthly Living Expense:

    Step 6: Financial Goals: Target Retirement Ages & other goals

    Your Email (Required)

    Samples of the web portal; and Smartphone app can be found in the Apple App Store, and Google Play.

    Four tiers are available, see below.  You can try logging into the portal and/or app with the below credentials.   For security purposes, you will not be able to make any changes to the data, but you should be able to see all of the functionality that exists.   Note: accessing the web portal (ideally on a computer) will allow you to see much more data & functionality.

    • Tier 1 – Snapshot: (email:   actulife.tier1@gmail.com, password:  tier1snapshot)
    • Tier 2 – Account Aggregation, Budgeting, and more: (email:   actulife.tier2@gmail.com, password:  tier2budget)
    • Tier 3 – Retirement Planning: (email:   actulife.tier3@gmail.com, password:  tier3retirement)
    • Tier 4 – Full Access: (email:   actulife.tier4@gmail.com, password:  tier4fullaccess)
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    Financial Planning Pricing

    Service Plan Price
    Basic Financial Plan, includes Web portal and smartphone app (Tier 1)FREE
    Retirement and Social Security Planning$149 (single)
    $199 (couple)
    Web Portal Upgrade
    • Account aggregation & Budgeting (Tier 2)$4.99/mo
    • Retirement planning (Tier 3)$9.99/mo
    • Full access (Tier 4)$19.99/mo

    Frequently Asked Questions:

    Q:  Is there a catch?

    A:  No, initial basic financial plan is completely free as well as a personalized account with web portal showing a snapshot of your financial plan

     

    Q:  Why are you giving this financial plan for free?

    A:  Many financial planners charge a lot for their services including fees of up to 1.00% of assets per year.   For many years I have wanted to be able to help those that are left out due to the high cost and I’m now in a position in life that I can do so.

     

    Q: How do you get paid?

    A: I may get a commission on any life, annuity, long term care, or health insurance policy you purchase from me.   There is no obligation to purchase any of these products from me, and my recommendation will not be based on any compensation that I may receive.   For a small monthly fee I will provide an enhanced web portal allowing levels of customization (see View Pricing button above).  

     

    Q: Are you a registered reprentative?

    A: No, I am not (and don’t intend to be) registered with FINRA.  So I cannot buy/sell recurities, sell variable life or annuity products, or even recommend invested asset allocations.  However, I can help you to determine your risk profie and answer any questions you have about these products (as I have a lot of knowledge about this)

     

     

    I do not provide tax, legal or accounting advice. This website has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.