Certified by the Highest Standards
Hands on Experience to Back it Up
1,500+
Clients Served
500+
Personalized Retirement Plans Crafted
20+
Years of Experience
Did you know: taxes are the biggest expense most people face in retirement?
We've got answers.. and a financial planning approach that addresses these questions directly.
So… what should retirement look like?
Money isn't the easiest thing to talk about, and we get that. Our job is to be your financial advocate; getting you from where you are to where you want to be.
That means a personal approach to those we work with and a designed process to help you make an educated and informed decision on working with us for a better financial future!
A 7 Step Journey from "The Cliff" to Confidence
Decades of diligent saving have brought you to this threshold. Transitioning from Accumulation to Distribution requires more than just a portfolio; it requires a specialized engine. We designed The Total Retirement Engine™ to serve as the Financial Shield, designed to replace your paycheck, built upon the four pillars of retirement security.
Step 2: The Discovery Deep Dive
Auditing the Four Pillars
Beyond account statements, we look at your life through the lens of our four core competencies: Retirement Income, Investment Management, Tax Smart Planning, and Estate/Legacy Planning. We identify the specific anxieties currently standing in your way, specifically the "Tax Bomb" hidden in your tax-deferred accounts and the market volatility threatening your transition.
Step 3: The Engine Calibration Phase
Our Behind-the-Scenes Work
While you focus on your transition, we are in the garage powering up The Total Retirement Engine™. This is our proprietary deep work phase where we calibrate your data against our four key competencies. We aren’t just looking at a spreadsheet; we are Engineering Strategies to defuse the tax risks and market threats identified in your discovery.
While the Engine is on the stand, we are Stress Testing your "What Ifs":
The Tax Bomb: "How much of my 401(k) actually belongs to me, and how much belongs to the IRS?"
Viability: "How do I switch from saving to spending without the fear of running out?"
Safety: "What happens if the market crashes the month after I retire?"
Continuity: "Is this plan simple and secure enough for my spouse to manage alone?"
Step 4: The Total Retirement Roadmap™ Reveal
Your Permission to Spend Framework
We present the output of our engine. This is where you see the Bucket Strategy in action. We show you exactly how your 4-pillar plan is designed to protect you during market downturns, providing the confidence to spend the wealth you’ve spent 40 years building.
Step 5: The Reflection and Clarity Period
Our No Pressure Commitment
At this point, we simply ask you to take a few days to think about it. We are looking for long-term relationships, not a quick transaction. We encourage you to review the roadmap at home and ensure you feel 100% confident in the path forward.
As you reflect, we suggest asking yourself three simple questions:
Do I finally feel I have 'Permission to Spend' and enjoy the life I’ve worked 40 years to build?
Do I believe this strategy is robust enough to defuse the 'Tax Bomb' and protect my spouse if I’m no longer here?
Do I trust Jason and his team to act as the steward of my legacy for the next 30 years?
Step 6: The System Engagement Phase
Executing the Strategy
Once you’ve had time to reflect and are ready to move forward, we move into action. We handle the paperwork, account transfers, and tax-smart reorganization of your assets to ensure your personal Paycheck Replacement Strategy is ready from day one.
Step 7: The Stewardship Performance Cycle
Your Long-Term Partners
Retirement is a journey, not a destination. In this ongoing phase, we act as the stewards of your The Total Retirement Engine™. We monitor the horizon for tax law changes and market shifts, meeting regularly to ensure your Buckets are always refilled, and your 4-pillar strategy remains protected.
Legal Disclosure: Legal documents available through our vendor Wealth.com. Sherman Private Wealth and LPL Financial do not provide legal advice or services. Please consult a qualified professional regarding your specific situation.