You don’t retire on averages or assumptions. You retire on specifics.
We’re meticulous about planning because retirement doesn’t unfold in a straight line—it’s full of curveballs that can derail even the most carefully built nest egg. Market downturns, inflation, tax law changes, healthcare costs, family needs, or unexpected life events can all shift the ground beneath you. We’ve seen it happen over decades of working with automotive families, and we know the difference between those who plan for disruptions and those who don’t. That’s why our process goes beyond investment returns: we stress-test, scenario-plan, and prepare for the “what-ifs” so your future isn’t left to chance.
Discover & Define
Every retirement starts with clarity. We take time to understand your goals, lifestyle vision, and potential curveballs — from market downturns and inflation to taxes, healthcare, and family needs. With decades of experience working alongside automotive families, we know what to look for and how to prepare.
Design & Stress-Test
Retirement doesn’t unfold in a straight line. That’s why we go beyond investment returns to model real-world scenarios — testing how your plan holds up against market changes, tax law updates, inflation, or unexpected life events. We use these insights to build a resilient income and protection strategy that helps keep you confident through any condition.
Implement & Adjust
Once your plan is in motion, we stay proactive. Together, we monitor progress, refine your strategy as life evolves, and make adjustments when new opportunities or risks appear. The goal: keep your retirement plan aligned with your needs, every step of the way.
You don’t retire on averages or assumptions. You retire on specifics
We’re meticulous about planning because retirement doesn’t unfold in a straight line—it’s full of curveballs that can derail even the most carefully built nest egg. Market downturns, inflation, tax law changes, healthcare costs, family needs, or unexpected life events can all shift the ground beneath you. We’ve seen it happen over decades of working with automotive families, and we know the difference between those who plan for disruptions and those who don’t. That’s why our process goes beyond investment returns: we stress-test, scenario-plan, and prepare for the “what-ifs” so your future isn’t left to chance.
Are You Prepared?
Events that WILL Destroy Your Wealth:
Market & Economic Risks
- Major market downturn (25–40% drop in equities, like 2008).
- Prolonged inflation eroding purchasing power.
- Interest rate spikes affecting bond values and borrowing costs.
- Economic recession leading to reduced dividends, job insecurity for a working spouse, or slower portfolio recovery.
- Political or policy changes (tax law revisions, Social Security reform, pension plan changes).
Personal & Family Risks
- Unexpected healthcare costs not covered by Medicare or insurance.
- Long-term care needs (nursing home, in-home care, memory care).
- Death of a spouse impacting Social Security income, pensions, or benefits.
- Adult children needing financial help (divorce, job loss, education costs, medical bills).
- Raising grandchildren or taking on dependents later in life.
Retirement Lifestyle Risks
- Outliving your savings due to longevity (living into your late 90s or beyond).
- Overspending in early retirement (travel, home remodels, “bucket list” lifestyle).
- Underestimating healthcare/Medicare premiums rising faster than inflation.
- Unexpected home expenses (major repairs, renovations, needing accessibility modifications).
- Property tax increases or higher insurance costs in retirement.
Work & Income Risks
- Company buyout or pension freeze reducing expected benefits.
- Loss of retiree healthcare benefits after a corporate policy change.
- Part-time work income ending sooner than planned due to health or job market shifts.
Other External Risks
- Fraud, scams, or elder financial abuse targeting retirees.
- Unexpected legal issues (lawsuits, liability, estate disputes).
Which Type of Investor Are You?
Most people heading into retirement fall into one of a few predictable patterns. Each feels comfortable at first. Each seems logical. But each carries blind spots that can quietly put your wealth at risk.
Most People Don’t Know This About Their 401(k)...
Your 401(k) is likely your single largest retirement asset — but most people assume it “just grows” as long as they contribute. In reality, hidden fees, limited fund menus, and lack of proactive oversight can quietly drain hundreds of thousands of dollars over a career. Worse, when paychecks stop, many discover they don’t have a plan to turn that balance into income.
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