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Resourceful Retirement Solution™

The Resourceful Retirement Solution

Whether prior to, in preparation for or in retirement, we use our structured, five-point Resourceful Retirement Solution™ to help you “retire” any long-term financial goals you have in mind. While our process is tightly crafted, it’s also flexible, so we can adeptly apply each point when and as appropriate for your particular needs:

1. Financial Assessment and Net Worth Snapshot

Process: We assess and analyze your current net worth and investment holdings. We’ll review and adjust your current investments to ensure they are appropriate for your goals, risk tolerance and tax bracket, and make adjustments as warranted.
Result: Improved clarity on where you are today, in preparation for moving toward where you’d like to go.

Our upfront assessment provides you with a basic snapshot of your current net worth – what you have and what you owe – which lays the foundation from which we’ll build. We identify resources we’ll use to track your progress and, where possible, we’ll consolidate new and existing investment and retirement accounts to simplify your recordkeeping.

2. The Cash Flow Maximizer

Process: We review your current income and expenses and develop a long-term saving, investing and distribution plan, with an eye toward careful tax management.
Result: More money in your pocket to spend on what is most important to you.

To feel comfortable with distributing (spending) after a lifetime of accumulating (earning), cash flow management is among most people’s biggest retirement challenges -- on both a tactical and emotional level. To organize your cash-flow and related plans, we will apply a sensible, sensitive process to:

  • Quantify your income sources such as pension, Social Security, retirement savings and potential continued earnings

  • Calculate your planned spending for “needs” as well as “wants”

  • Chart your short- and long-term cash-flow goals

  • Project spending patterns and align them with expected income and portfolio withdrawals

  • Help you minimize your tax burden

3. Ideal Future Gameplan

Process: Next, we’ll establish your financial plan to guide your near- and long-term goals, envision your ideal retirement, and estimate how much you will need to achieve your goals and how to comfortably transition from earning to spending in retirement. Result: Clear, concise planning to direct you with confidence into your future.

What do you want your life to look like in five or 10 years, or beyond? Your financial plan will map out the steps to achieving your financial goals. Particularly in securing retirement according to your own terms, we’ll help you explore all of your options and set the course by considering key questions like:

  • When will you retire?

  • What kind of lifestyle do you want to achieve?

  • Are your goals realistic based on your current savings?

  • What are your priorities, and what are you willing to do to achieve them?

We will design a comprehensive retirement plan according to your needs, accounting for all of your retirement resources, from 401(k) plans and IRAs to Social Security and taxable investments.

As you enter retirement, we are particularly adept at shifting your financial mindset and investment management activities toward supporting a sustainable income stream. We also help you continue to focus on optimizing tax-favored investing and spending among your various retirement and taxable accounts.

4. The Investment Solution

Process: We implement a customized portfolio that reflects your financial goals and objectives. We use low cost funds from providers such as academic-based Dimensional Funds which has two Nobel Laureates on staff, and Vanguard ETFs. We offer advice based on the best available evidence on how markets work and how they deliver long-term wealth to patient investors.
Result: Confidence that your money management is aligned with and working toward your life’s biggest goals.

Clear process, years of experience, and a focus on the academic evidence on how to best capture market returns … these are the essential qualities we believe lead to good investment decisions. As part of our investment solution we will:

  • Educate – Share the evidence-based principles underlying our recommended investment strategies – and we’ll do so in clear, approachable terms

  • Explore – Help you establish your unique investment objectives and tolerance for market risk based on your individual goals

  • Act – Plan and then implement a customized portfolio that reflects your objectives, risk tolerance, time horizon and tax bracket, typically using funds from Dimensional Fund Advisors, Vanguard (ETFs) and similar, like-minded, low-cost investment solutions

  • Maintain – Regularly monitor and report on portfolio performance, checking with you regularly to ensure your investments remain on track toward your existing or evolving financial goals

5. Protection Planning Profile

Process: With your core financial pieces in place, we’ll review all of your insurance policies and determine appropriate coverage. We’ll also assist you in developing an estate plan for minimizing the impact of taxes on your desired legacy. Result: Assurance that your accumulated assets and future wealth remain protected.

No matter how many computer simulations you run, the only thing you can know for sure about the future of your financial plans is that there is no such thing as a crystal ball. “What ifs” remain:

  • What if I outlive my money?

  • What if our long-term care becomes a burden on our children?

  • What if something happens to me that leaves my family financially insecure?

  • What if something unexpected happens to my business?

We can’t control the future, but we can help you build safeguards against life’s highest-potential and/or most damaging financial risks. We do so by helping you manage these risks as carefully as we manage your assets. During our protection planning process, we’ll help you identify your and your family’s risks, analyze your current insurance coverage and estate plan, and customize solutions to address your particular circumstances.

"What we do today, right now, will have an accumulated effect on all our tomorrows." – Author Alexandra Stoddard

 

 

Strasbaugh Financial Advisory, Inc. (“Strasbaugh”) is an SEC registered investment adviser located in Colorado Springs, Colorado. Strasbaugh may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Strasbaugh’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Strasbaugh’s web site on the Internet should not be construed by any consumer and/or prospective client as Strasbaugh’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Strasbaugh with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Strasbaugh, please contact the SEC or the state securities regulators for those states in which Strasbaugh maintains a notice filing. A copy of Strasbaugh’s current written disclosure statement discussing Strasbaugh’s business operations, services, and fees is available from Strasbaugh upon written request. Strasbaugh does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Strasbaugh web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Strasbaugh), will be profitable or equal any historical performance level(s). Certain portions of Strasbaugh’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Strasbaugh (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Strasbaugh, or from any other investment professional. Strasbaugh is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Strasbaugh is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Strasbaugh by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Strasbaugh’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Strasbaugh, or from any other investment professional. Each client and prospective client agrees, as a condition precedent to his/her/its access to Strasbaugh’s web site, to release and hold harmless Strasbaugh, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Strasbaugh.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Strasbaugh), will be profitable or equal any historical performance level(s).

Certain portions of Strasbaugh’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Strasbaugh (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Strasbaugh, or from any other investment professional. Strasbaugh is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Strasbaugh is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Strasbaugh by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Strasbaugh’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Strasbaugh, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Strasbaugh’s web site, to release and hold harmless Strasbaugh, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Strasbaugh.

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