A comprehensive retirement planning process designed to bring clarity, confidence, and control to the most important financial transition of your life.
Schedule Your Introductory CallThe Back 9 Blueprint is more than a series of steps. It's a planning philosophy designed to give every decision clarity, purpose, and direction. These guiding principles shape how we help you live confidently today while building a retirement that reflects what matters most to you.
When the path forward is clear, you can trust the direction you're heading and feel secure in each step along the way.
Income is the foundation of the plan. By showing how each decision affects your retirement income, we help you clearly see your options and make confident, intentional choices.
In moments of uncertainty, discipline keeps the plan steady. It helps you stay focused on what matters most and move forward with thoughtful decisions, not emotional reactions.
Legacy is about more than money. It's about the people and priorities that matter most, and how today's decisions shape the future you want to create, whether that's years from now or right now through the life you live.
The Back 9 Blueprint unfolds in three phases: Discovery, Strategy & Implementation, and Ongoing Partnership. Each step builds on the last to create a comprehensive retirement strategy tailored to your unique situation.
Understanding your vision, quantifying the cost, and inventorying your resources
Before we discuss numbers, we need to understand what you want your retirement to actually look like. This isn't about generic goals. It's about the life you envision living, the experiences that matter to you, and what will make this next chapter meaningful.
Once we understand what you want, we quantify what it costs. We build a realistic budget that accounts for essential expenses, discretionary spending, healthcare, and the goals you identified in step one. This gives us a clear income target to plan around.
Now we assess what you have to work with. We take a comprehensive inventory of all your assets, income sources, and resources. This step reveals not just what you have, but how efficiently it's currently positioned to support your retirement vision.
Building and executing strategies to optimize income, minimize taxes, and protect what you've built
We design an investment strategy and income distribution plan tailored to fund your specific retirement vision. This isn't about maximizing returns. It's about creating reliable, sustainable income while managing risk appropriately for your stage of life.
For most retirees, taxes represent one of the largest lifetime expenses, often exceeding healthcare costs. We develop a multi-year tax strategy to minimize your lifetime tax burden, not just your tax bill this year.
We evaluate your insurance coverage and protection strategies to ensure you and your family are safeguarded against the unexpected. This includes reviewing existing policies and identifying any gaps that could threaten your retirement security.
Your legacy is about more than just what you leave behind. It's about ensuring your wishes are honored, your family is cared for, and the values you hold are carried forward. We help organize and align your estate plan with your broader retirement strategy.
Maintaining, adapting, and refining your plan as life evolves
The Back 9 Blueprint is a framework that adapts as your life changes. Markets shift. Tax laws evolve. Health situations emerge. We revisit and adjust the plan alongside you, always keeping you grounded in clarity and confidence.
If you're approaching retirement and want a clear, comprehensive plan (not just investment management), let's talk.
Schedule Your Introductory Call