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Architecting Your Retirement

Phase 1: Before We Begin Building

  • Discovery

    What has been your journey up to this point? What does this next chapter of life mean to you? How do you want your finances to work for you now? Our comprehensive financial advising services want to capture your whole story. Accomplishments. Disappointments. Future dreams.

  • Plan Analysis

    Building off our discovery and after analyzing your financial position, we create a year-by-year projection supported by customized planning strategies of what is necessary to reach your “next chapter” goals.

  • Blueprint

    By placing your existing portfolio and plan side-by-side your newly developed customized blueprint we will show how the vision of your future can be easily realized. This includes complete transparency of our fee structure.

  • Engagement

    This begins the execution of your financial plan and Clarity Framework. Your client servicing team will help with signing the documents that initiate transfers and get your accounts set up and funded. They can also assist with any ongoing needs relative to your portfolio.

  • Strategy

    Ongoing reviews will be initiated to make sure you’re able to pursue your Live Greatly™ and that your financial plan pivots as needs arise.

Building Your Clarity Framework

Phase 2: Becoming a Great Waters Financial Client

Building Your Clarity Framework is an 18-24 month process of holistic planning where we create and implement extensive plans for each area of finance relevant to you. By building your Clarity Framework, you can have a clear picture of how much you can spend without hurting your plan long term, how to reduce taxation, and outline the major experiences or expenses on your life list.

A completed plan may include some or all of the following.

 

  • Financial Planning

    Income and Spending, Investment Strategy, and Asset & Risk Management

  • Tax Planning

    Tax Strategy and Tax Preparation

  • Long Term Planning

    Estate planning, Insurance, Planned life events, Unplanned life events, and Extended care expenses

  • Life Planning

    Beyond finances

Applying Your Clarity Framework

Phase 3: Continuing the Journey

Clarity Framework Application means actively reviewing and updating the plans we’ve built together to stay aligned with your financial and life goals.

  • Strategy Sessions

    Plan review & management, Discover Live Greatly opportunities, Tax Strategy, and Relevant topics

  • Life Events

    Retirement/job change, Inheritance, Moving, Death/disability, Divorce, and Other

FAQs

Not finding what you’re looking for? Reach out and we would be happy to answer any questions you might have.

At Great Waters, we know there’s more to life—and retirement—than money.

So, while we offer all of the capabilities of a traditional firm to suit your financial needs, we also offer more. Through a highly personalized, immersive process and a unique compensation structure, we meticulously create plans designed to support your holistic needs in this next chapter.

Our highly experienced planners work on salary—not commission—and are not limited by any brand or type of financial instrument. They’re passionate about guiding you in fully envisioning your next chapter, exploring what a purposeful life looks like—and making a plan to support your Live Greatly™.

To us, “Live Greatly™” is more than a motto or a tagline, it’s our mission in serving you.

It’s the result of a retirement plan that honors the sacrifices you’ve made to get here. A plan that aligns with your values and vision. A plan that supports your legacy and your life.

We know you’ve worked hard and planned carefully to get where you are. So whatever your next chapter looks like, we’re here to help you live it greatly.

To most financial planning firms, “retirement” is nothing more than an account balance. From our years of helping people live greatly, we know that there’s more to retirement than dollars and cents.

When you’re done working, when your kids are grown, how will you find joy and meaning? What do you want to explore, accomplish, or rediscover? And, just as importantly, how will these aspects of life impact your retirement plan?

That’s what we’re here to help you define.

Our planners are more than money managers. They’re highly skilled and passionate about helping you envision retirement beyond the financial. Through our unique planning process, we’ll help you achieve a plan that puts purpose and meaning at the center of your retirement.

At Great Waters, we believe your retirement should serve you—not your advisors. That’s why we developed a business model and fee structure based in integrity and transparency.

Unlike most firms, our planners do not receive commissions on the sale of financial products or a percentage of management fees. Instead, our team is salaried—so that you can have confidence in unbiased service and advice.

Our fees fall into two categories: Planning and Professional Management.

Our Planning Fee covers the discovery and analysis of your current retirement plan, as well as changes recommended to better support your vision for retirement. These may include, but aren’t limited to, income planning, social security timing, protection planning, and risk management. Please note that this fee does not include the execution or management of your revised plan.

 

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