What We’ve Learned


We have learned over time that real wealth and security in retirement comes from other things more important than money:

Good Health

Personal well-being key elements include physical, mental and psychological well-being and our attitude of optimism vs. pessimism. When client health declines, often so does the quality of life.

Thus the growing need to dedicate more financial resources to maintaining health, especially with the prospect of a longer lifespan, is a challenge we address in clients plans.

A retirement life plan needs to address this critical component of true wealth. Does your present plan cover an investment in health care?


We appreciate that people not ‘stuff’ matters. How much will you invest in this segment of your life? What will it matter if you have financial security but no one to share your future with? Money cannot buy the pleasure that good relationships brings to you.

A good retirement plan takes into account loves ones; how they will be protected and participate in your future plans. A frank discussion of family member relationships is a starting point in estate planning strategies, as well as future cash flow planning.

Experience has taught us that when affected people participate in the plan design, you get better results from the plan implementation.

Wealth Management

The essence of a financial plan is to realistically determine future cash flow and how it will be divided between savings, lifestyle, and debt reduction. Each element must be carefully analyzed, with a view to increasing systematic savings and the investment of those savings.

The first challenge of managing wealth prudently and responsibility to meet financial security goals is large. There are issues of behavioral finance, biases, personal beliefs and habits. By way of comparison think of the TV show “Till debt do us part”.

The second challenge is determining who is best suited to manage your financial investments. Is it you alone, a shared role, or an advisory firm?  As your Financial Mentor we help to clarify the issues, needs and options suited to the client.

We recognize change is not easy for clients, for others it is a joy to let others fill this role.

Developing the optimal solution for wealth management for clients is rewarding. Let’s discuss this need with you.


Sharing Plans for Success

Let us share a secret with you – clients who develop a plan and share it with those who will be affected by it have a greater chance of success than those who do not share of the plan or strategies with those impacted.

It's NOT About Money!

Personal financial security often is not tied to our accumulated investment capital. Feeling insecure arises from the unknown – what we spend, how long we will live, the certainty of investment returns and the unexpected!

The Financial Mentor works to reduce these unknown for clients. We help you understand how emotions, personality and experiences affect our feelings toward financial security.

First we address the unknown, then work to provide a plan for financial security – based on facts ad a plan of action.

Information and Expectations

Client discussions around expectations for investments, lifestyle costs and pension income resources are some of the areas we address. We educate our clients over today’s realities and how it how it affects them. This discussion forms the basis for a realistic financial plan.

The Role of the Media in Creating False Expectations

Financial articles in the daily media often convey wrong information to clients on what is required to retire in security and the impact on their investments. We help clients recognize the factual aspects as well as the risks that the future contains in our planning discussions.

Creating a Lifelong Perspective on Matters of Importance

Separating required information from ‘noise’, as well as setting priorities for retirement planning is what the Financial Mentor can do for the client, providing an unbiased resource in developing their personal framework for retirement lifestyle security.

Ready to Take the Next Step?

There are new trends in retirement and working after retirement that you need to consider. We can discuss these trends at our first meeting.

The first partner discussions often focus on cash flow management before and after retirement begins.