The Clearbrook Roadmap To Retirement™ Process

Step 1

Initial Consultation
The complimentary initial conversation is about YOU! We are there to listen, answer questions and try to understand your unique circumstance, objectives and goals. Our questions may surprise you a little bit, because they won’t likely be all about money. We may ask questions like…

  • What do you need most?

  • What are your concerns about the future?

  • What is the health/life history of your family?

  • If you could do anything in the future, what would it be?

We will likely discuss other things, but you get the picture. What happens with our finances is a direct result of many other factors, so understanding some of those will help us create a Roadmap for your unique journey. If it makes sense to continue to the next step, we will set up a time for a more comprehensive conversation.

Step 2

Create the Clearbrook Roadmap to Retirement™ Plan
Our team will put together your Clearbrook Roadmap to Retirement™ plan with specific recommendations on how to achieve your goals and reach your financially independent retirement. Areas we will cover include:

  • Current and future life goals.

  • Investment strategies for accumulation and for distribution.

  • Financial readiness for full or part retirement.

  • Retirement income needs and how to achieve them.

  • Tax strategies to minimize taxes during retirement and for your estate (individual and business tax preparation is also available for a fee).

  • Social Security evaluation and advice.

  • Insurance needs including life, long term care and disability. We can also advise you on advanced life planning solutions using life insurance for living benefits, not just death benefits.

  • Fixed and Indexed annuity solutions for loss protected accumulation and retirement income.

Step 3

Implement the plan
Our team of professionals will work with you to implement and monitor your plan, to give you the best chance of getting where you want to go. Part of this process is to establish our schedule of meetings and what you would like to cover based on when and how often you would like to meet. We recommend at least two meetings per year, but that is really up to you. We generally work with people we enjoy spending time with, so more is often better! Most of our meetings will include an account review, but at times, that may not be the main focus. If you would like to meet four times per year, here is an example of things we might want to cover:

  1. First Quarter - Year in Review: We recommend this meeting happens in the first quarter of each year. We will discuss tax preparation, financial plan changes, investment results & allocation changes, life or health changes and next meeting plans.

  2. Tax review - 2nd Quarter: Having likely just completed your tax filing, we can discuss areas that would benefit from change. We also recommend discussing any major changes to the budget including purchases, trips, known expenses and/or changes to your situation that may be happening during the year.

  3. Fall Catch Up - 3rd Quarter: This is a great time to talk about areas that are “big picture” like estate planning, college planning, life and other types of insurance or maybe, just how things are going.

  4. New Year Prep - 4th Quarter: As you head into a new year, we will want to be sure IRA contributions are being considered, required minimum distributions are taken care of if applicable, possible tax saving through charitable contributions and items that may affect your account in the coming year. We will also want to see you at our annual client holiday event!