Retirement is a major milestone in all our lives and we can help you make a smoothe transition from the accumulation phase of your financial life to the distribution phase.
Planning for retirement can be stressful and there are so many factors to consider and questions that need answering. We can help you put a plan together based on statistical analysis and financial modeling that will help you feel confident and optimistic about your journey into retirement.
Retirement planning starts, for all of our clients, with the discovery process. We need to thoroughly understand your situation, not just your financials but what is important to you, what you value, and what your goals are. The only way we can truly help build the right retirement plan is if we know what kind of life you want to live. From here, we will need to explore what retirement might look like, identify the most important factors, and start putting the plan together. See the process overview below.
Step 1
The first step in building the right retirement plan is thorough, comprehensive, almost obsessive, understanding. We spend as much time as needed to learn the ins and outs of our client's financial lives. This ensures we create the best possible plan to meet their long-term goals and help them live their best lives in retirement.
Step 2
Once we know what our clients truly value and how they want to live in retirement, it's time to put pen to paper and begin estimating the costs associated with that lifestyle.
Step 3
Cash flows come in all shapes and sizes, each source needs careful consideration and analysis on when and how to start taking distributions. From social security activation to IRA distributions, we need to make sure we account for all the factors.
Step 4
At this point, we have left no stone unturned and identified all the variables that affect a retirement plan. Now it's time to start putting the preliminary plan together and establish retirement and cash flow timelines.
Step 5
Putting together a savings and investment plan is very closely tied with establishing timelines, as they both work synonymously in making sure our client's retirement plan will provide them everything they need to live a comfortable, carefree life. Once this step is complete, our clients will have an action plan that maximizes their opportunity for financial success.
This is by far the most important step in the planning process, so we wanted to elaborate a little more on what you can expect. We will dive into every detail, leaving no stone unturned as we strive for ultimate understanding. The list below is the bare minimum that needs to be understood as every client has unique circumstances that cannot be covered by a simple template.
Understanding your entire asset and liability picture is very important in designing a portfolio that’s fits into your financial life.
Getting a grasp on your current, and future, income and expenses will help us determine the distribution needs from the portfolio and can dictate overall asset allocation.
Your current and projected future tax brackets can not only effect investment strategy, but also distribution strategies.
What large purchases, or potential sudden money situations are on the horizon? How should we account for this in your overall portfolio strategy.
One of the biggest factors in an investment strategy is how long the money needs to be working for you. Understanding your health and family history is incredibly important to long term planning.
What do you want these assets to accomplish for you? Are they for legacy purposes? Or perhaps retirement income? Do you want to grow the assets as much as reasonably possible or is growth not that important? The strategy needs to fit the goal.
How comfortable are you with short term market shifts and shocks? Having a strategy that won’t keep you awake at night is the key to reaping the long-term rewards?
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| Always acts as a fiduciary? |
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| Fee only, not fee based? |
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| In house, active, portfolio management? |
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| Global market forecasting? |
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| Goals based, not risk based, investing? |
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| Customized global portfolios? |
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| Sells financial products? |
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| Sells insurance products? |
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| Multiple layers of fees? |
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| Puts client first? |
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Absolutely! Delphi Advisers is what's called a Fee-Only Fiduciary. This means that we are required by law to always put our clients needs ahead of our own and act in their best interest on every occasion.
Additionally, many of our competitors may be registered as a fiduciary but also act in other capacities when dealing with their clients, which creates a conflict of interest. We are a fiduciary and ONLY act as a fiduciary, always.
There are myriad factors that set us apart from our competitors, from the structure of the business to how we manage portfolios. Put simply, and briefly, we are shifting the paradigm on how clients are serviced and every aspect of our business model is structured to ensure we help clients have the absolute highest probability of success. Our model is built around our clients and we put them first, every time.
Yes. We build personalized portfolios for our clients that are designed to meet their individual needs and accomplish their goals. We do not use third party investment managers, arbitrary model portfolios, or passive investment strategies. Our clients pay us to manage their investments and we give them every pennies worth of their fees.
Unlike many of our competitors, we have a very clear and transparent fee structure. For our investment management clients we charge a flat percentage of the value of the assets we manage and in most cases this will include financial planning. For our planning only clients, we negotiate a price for the service needed and that's it. We don't collect commissions, charge layers of fees, or get kickbacks for recommending products. Our fee structure is simple, clear, and you will always know exactly how much you are paying us, down to the penny.
Nationwide, and some international. Delphi Advisers, LLC is headquartered in Vancouver, WA and we serve clients locally and across the country, and even some international clients.