Achieving Retirement Clarity™

Focused planning and proper preparation are needed now more than ever when it comes to building a retirement plan. Unfortunately, for many the task is simply too overwhelming and complex. What is missing is a clear process for how to do it. This has led us to create a comprehensive approach for “Achieving Retirement Clarity” called The ARC Process™. The process involves performing a detailed cash flow analysis which is then used to create a custom plan for achieving your retirement goals. The process then incorporates into our plan the necessary risk management tools designed to protect us from unexpected events in life that might obstruct our path and hinder us from successfully reaching retirement’s peak.

Focused planning and proper preparation are needed now more than ever when it comes to building a retirement plan. Unfortunately, for many the task is simply too overwhelming and complex. What is missing is a clear process for how to do it. This has led us to create a comprehensive approach for “Achieving Retirement Clarity” called The ARC Process™. The process involves performing a detailed cash flow analysis which is then used to create a custom plan for achieving your retirement goals. The process then incorporates into our plan the necessary risk management tools designed to protect us from unexpected events in life that might obstruct our path and hinder us from successfully reaching retirement’s peak.

Focused planning and proper preparation are needed now more than ever when it comes to building a retirement plan. Unfortunately, for many the task is simply too overwhelming and complex. What is missing is a clear process for how to do it. This has led us to create a comprehensive approach for “Achieving Retirement Clarity” called The ARC Process™. The process involves performing a detailed cash flow analysis which is then used to create a custom plan for achieving your retirement goals. The process then incorporates into our plan the necessary risk management tools designed to protect us from unexpected events in life that might obstruct our path and hinder us from successfully reaching retirement’s peak.

Retirement Income Survival Kit™

R.I.S.K -/risk/… a situation involving an exposure to danger, harm, or loss.

However, our time-tested R.I.S.K. program has a different meaning, a Retirement Income Survival Kit. Our process answers questions about your comfort level in retirement …saved enough money? …concerns about outliving your assets…by providing optimal ideas and strategies to achieve your goals.  Learn how we help our clients simplify personalized retirement planning and manage their risks.

R.I.S.K -/risk/… a situation involving an exposure to danger, harm, or loss.

However, our time-tested R.I.S.K. program has a different meaning, a Retirement Income Survival Kit. Our process answers questions about your comfort level in retirement …saved enough money? …concerns about outliving your assets…by providing optimal ideas and strategies to achieve your goals.  Learn how we help our clients simplify personalized retirement planning and manage their risks.

R.I.S.K -/risk/… a situation involving an exposure to danger, harm, or loss.

However, our time-tested R.I.S.K. program has a different meaning, a Retirement Income Survival Kit. Our process answers questions about your comfort level in retirement …saved enough money? …concerns about outliving your assets…by providing optimal ideas and strategies to achieve your goals.  Learn how we help our clients simplify personalized retirement planning and manage their risks.

Life Assurance 360™
LA360

Life Assurance 360™ is a goals-based process for designing, implementing, and managing life insurance. The process educates individuals about the trade-offs of life insurance throughout the case design process, provides private underwriting services, and creates a plan for ongoing management.

For thousands of years, the architectural maxim has been that all structural designs should strive to possess three essential elements: strength, purpose, and unity. We believe that life insurance, more so than perhaps any other financial instrument, should also be designed to possess those three elements and managed over time in order to continue serving its intended purpose. That is why we developed Life Assurance 360™, a unique, client-centered approach to designing, implementing, and managing life insurance that we refer to as life insurance architecture.

In designing a life insurance plan, we address the need for strength by utilizing financially sound carriers that are committed to remaining in the life insurance industry and serving policyholders for years to come. We customize plans that are both purposeful in design and unified with the client’s medical history in order to present the case to the carrier(s) in the most favorable light possible. Once a plan is in place, we set up systems for ongoing policy management to assure that the plan stays on track.

We believe the outcome that is produced for clients when all four of these elements are addressed together is better than the result when each are addressed in isolation. As Aristotle said, “the whole is greater than the sum of its parts”, which is why we have chosen to take a comprehensive, 360º approach to life insurance.

1.) FACT FINDING:

In this step, we use our proprietary policy design questionnaire to educate clients about their life insurance options while gathering information about the client’s goals, preferences, and risk tolerance. Additionally, our underwriting questionnaire helps paint a picture of how the client’s medical history may factor into the overall plan design. The tools used in this step are:

  • The Life Assurance Design Questionnaire™
  • The Pre-Qualification Underwriting
  • Questionnaire™

2.) UNDERWRITING ADVOCACY™

Prior to submitting an application, our experienced underwriting team gathers and reviews the client’s medical information and begins clarifying all missing or incomplete details with the client’s physicians to present the case to the carrier(s) in the most favorable light possible. For larger, more complex cases where privacy and confidentiality are paramount, our staff underwriters and licensed physician conduct a private medical evaluation to fully assess the client’s medical risk while protecting their identity from the Medical Information Bureau. The tools used in this step are:

  • Informal Inquiry™
  • Private Underwriting Rating Evaluation™

3.) PRODUCT SELECTION:

Once the initial fact finding process and underwriting assessment are complete, our underwriting and marketing teams work with the advisor to develop product recommendations based on the client’s goals, risk tolerance, and preferences regarding the five areas of product design: safety, flexibility, equity, certainty, and premium.

4.) PLAN DELIVERY:

Once product recommendations are developed, we create meaningful analyses of each plan and present the recommendations in a cogent format that assists clients in making an informed decision. The tool used in this step is:

  • The Life Assurance Blueprint™

5.) POLICY MANAGEMENT:

If the client chooses from the recommended plans, the advisor commits to monitoring the performance of that plan through a written agreement, and will periodically review the plan’s performance with clients using a concise, yet thorough, policy review document. The tools used in this process are:

  • The Policy Service Agreement™
  • The Policy Management Statement™
  • Policy Analysis and Review Statement™
  • TOLI Vault™
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