Our 3 Step Review Process

Our 3-Step Retirement Fund Review Process

Your Financial Advisor should be proactive for your benefit.

Recent surveys of affluent Americans consistently tell us their major frustration is that their current financial advisors aren’t proactive enough about future issues that might affect their financial well-being. We address those concerns in the logical, proactive approach we take with all our clients.

What’s the quality of your past financial decisions?

Historically, you may have purchased financial or insurance products and only to find out how they affected your tax and investment planning much later. The correct course of action is to learn the right questions to ask before you buy any financial product or start saving for retirement.

Is information missing?

Having all the facts straight is an essential part of the retirement fund planning process. If there was a missing piece of information that was costing you money now or that would cause a significant problem in your future, when would you want to find out about it?

Today? 5 or 10 years from now? Never?

If that piece of information was a must-know fact, you’d probably agree you would want to know about it before making any retirement fund decision, especially one that puts your money at risk.

It is essential to get ALL the facts.

That’s what we believe makes us different from other financial advisors! We seek to identify all the facts necessary to make a sound financial decision that is in your best interest before moving forward.

Do you have a good fact-gathering process?

Do you know what questions to ask? Have you quantified hidden fees, taxes or risk issues? Have you made decisions based on myths, misconceptions, opinions or missing facts? These are all essential steps in saving for retirement.

Do you have money falling through the cracks?

If you find out there are flaws or missing information in your decision-making process you will quickly realize where money is falling through the cracks in your current planning, thus helping you make more informed financial decisions about saving for retirement.

Your risk tolerance, income needs and income taxes

Each investment product has a specific purpose where it may fit properly into someone’s retirement fund planning, but without a complete review of your personal situation, risk tolerance, income needs, tax situation, long-term care needs, and estate and charitable desires, no one should have an opinion on whether a specific product is right for you.

The correct beginning point – YOUR needs and desires

The discovery of your true needs and desires is the first step you should take when saving for retirement, not the choice of investment products that many other people have made as their first step.

Regency’s Review Process uncovers critical information

Regency Wealth Management’s 3-Step Review Process helps you and Sam discover if your current strategies match up with your future plans. This proven process allows Sam and his team to create a sound retirement fund plan based on facts and logic, not emotion and opinions.

Step One – Discovering your correct tax strategies

The first step is a forward-looking review of your tax return to determine your current tax situation. Sam is able to identify things like phantom income taxation, incorrect uses of taxable and tax-deferral strategies, and missed opportunities for offsetting gains and losses.

Regency’s 3 Step Review helps you implement the correct strategy to lower or eliminate your taxes, and find money falling through the cracks now and in your future.

Step Two – Discovering your optimal income strategy

The second step of saving for retirement is an income analysis to determine if you are using your income sources properly and in the most tax efficient method. With the ever-increasing cost of inflation, Sam determines whether you have adequate income and liquidity to meet your future needs. Your actual inflation rate may be different from the government-quoted inflation rate as your rate is based on your specific expenses.

Step Three – Quantifying your risk so you can be a fearless investor

The third step is a risk analysis to make sure your level of exposure is acceptable and in line with your investment allocation strategies. We believe people make poor decisions, receive low rates, or incur losses because retirement fund has more risk than they are comfortable with. A simple set of questions will help Sam identify your true risk comfort level and possibly help you avoid losses you are not prepared to handle or were not aware of.

We hope it guides you toward an exciting and rewarding retirement.

Do any of these apply to you?

• Are you preparing to sell real estate?

• Do you need to increase your income stream or lower your risk level?

• Have you lost a spouse and now have all the financial decisions to make?

• Are you retiring soon or rolling over your 401(k) or 403(b)?

• Are expecting to receive an inheritance in the next year?

Regency’s Discovery Process helps you make better financial decisions

A complete discovery of what you want your retirement savings to do for you is the most important first step. – we believe.

The wonderful benefit of Regency’s 3-Step Review is that it applies to any financial decision or concern you have, it helps you stop your money from falling through the cracks, and it ensures that any major financial decision is right for you.

Learn what questions to ask before making any financial decision and assure your decisions are in your best interest.

Let’s schedule a time to visit

Call 817-377-0031 to learn how Regency’s no obligation, 3 Step Review could make a big difference in your LIFE!

No tax or legal advice is given. Consult your own tax or legal professionals for specific advice on those issues.

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