Client Transition
Transitioning to a new financial advisor can feel overwhelming, but we aim to make the process seamless. Our team works closely with you to help ensure all your financial documents and investment plans are organized and transferred efficiently. We take the time to understand your goals, preferences, and any existing plans to help ensure continuity in your financial strategy. From start to finish, our priority is to minimize disruptions and offer guidance, making this transition as smooth and stress-free as possible.
Retirement Planning
Our comprehensive retirement planning approach accounts for your risk tolerance, time frame, assets, liabilities, and personal circumstances. We combine our team’s collective knowledge and experience with advanced tools, such as our unique planning process, to build a retirement plan that aligns with your goals. Whether you’re deciding when to claim Social Security or navigating pension benefits, we help you gain clarity, confidence, and control over your financial future.
Navigating your pension & retirement plans
We help solve problems and find solutions by putting your interests first.
Our Process
We follow a clear four-step process to organize and help simplify your retirement planning
Each step is designed to provide clarity, confidence, and control, helping ensure your retirement plan is not only comprehensive but also can be adapted to your evolving needs.
1
Getting to know each other
We begin with an initial meeting where we introduce our process and approach. This is an opportunity for us to get to know one another, answer questions, and decide if moving forward together makes sense. It’s a collaborative step that helps lay the groundwork for a successful partnership.
2
Understanding your financial matters
We then organize your financial life by taking inventory of your investments, pensions, and other assets. We analyze your income needs to gain clarity and set the foundation for a plan to move forward. This step helps ensure we understand every aspect of your financial picture before creating a tailored plan.
3
Putting a plan in place
Next, we begin the our planning process to map out your retirement. We help prioritize your goals, identify any pension benefits, determine when to claim Social Security, and establish an end-of-life plan. Our structured framework helps ensure all aspects of your financial future are considered and documented.
4
Providing oversight
As your life evolves, we review your plan and map results against our goals. This helps ensure your retirement stays on course, giving you the clarity to confidently answer, “How am I doing?” We can make adjustments as needed to keep your plan aligned with your long-term goals.
Client Experience
The stronger the connection we have with you, the more we can work toward adding value.
Working together is essential to effective investment planning. To this end, we – our clients and our team – both need to make your investment strategies a priority. Each of us will agree to keep each other informed of any new developments that might affect these strategies. In addition, we will agree to take the time to review your plan. We shall both be honest and forthcoming about your financial situation and work to develop mutual trust, respect and understanding.
What you can expect from us:
You can trust that we will consistently and responsibly perform all requested services, and that we will be available when you need us. We will:
- Treat you with respect, honesty, and dignity
- Act as your advisor, putting your interests first
- Strive to acquire a complete and accurate understanding of your goals, your tolerance for investment risk, and your time horizon
- Explain the implications of the investment strategies we propose
- Explain all costs and fees for our services
- Update you by email, mail, and telephone, as often as you prefer
- Meet with you to review your investment plan
What we would like to expect from you:
Effective communication and mutual respect are essential to a successful relationship. We hope our business relationship consists of mutual:
- Trust
- Respect
- Sincerity
- Complete disclosure
- Responsiveness to requests
- Commitment to the process
We expect you to understand that while our recommendations are always based on your best interest, investments do not always perform as hoped. As our client, you need to know that all investment, tax, estate and insurance strategy advice will be based on the information you provide to us. We expect you to participate in the investment planning process. Finally, if there is a time when we fall short of your expectations, we hope you will provide honest and meaningful feedback.
Our Services
Financial Planning
Get to Know Each Other
Understand your Financial Matters
Assemble Consolidated Financial Statements
Clarify Goals, Values and Objectives
Implement Financial Plan
Investment Strategies
Customized Portfolio Solutions
Tax-Efficient Investments
Well Rounded Planning
Cash Management
Legacy Planning
Estate and Wealth Transfer Strategies
Family Gifting Strategies
Generational Planning
Trust Services Guidance
Retirement Income Planning
Plan Development, Implementation and Comprehensive Review
Design Tax Efficient Stream of Income
Social Security, RMD and Medicare Planning
Develop Spending Plan
Pension Option Guidance
Plan Review
Benefits and Distribution Strategies
Healthcare Analysis
Cash Flow Planning
Coordination with CPA and Attorney
Integrated Planning
Tax Control Strategies
Estate Documents and Tax Return Reviews
Professional Introductions
Apricity Advisors nor &Partners renders legal or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences.
