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Our Process

Our process is designed to help our clients achieve simplicity and confidence during their retirement years. It’s focused around 5 key areas of your current financial life.


INCOME PLANNING

Our goal is to help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life. This typically includes:

  • Social Security Maximization
  • Income & Expense Analysis
  • Inflation Plan
  • Spousal Plan
  • Longevity Protection

INVESTMENT PLANNING

Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month. This typically includes:

  • Assessing your Risk Tolerance
  • Adjusting your portfolio to reduce fees
  • Volatility Control
  • Evaluate ways to reduce risk while still working towards your goals
  • Comprehensive Institutional Money Management

TAX PLANNING

Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities. This typically includes:

  • Assessing the taxable nature of your current holdings
  • Possible I.R.A. Planning
  • Strategizing ways to include tax-deferred or tax-free money in your plan
  • Strategize which tax category to draw income from first to potentially reduce tax burden
  • Discussing ways to leverage your qualified money to leave tax-free dollars to your beneficiaries

HEALTH CARE PLANNING

We will create a plan to help you address rising healthcare costs with a minimum of expense, including:

  • Looking at all aspects of Medicare, Parts A, B and D
  • Analyzing options for a Long-Term Care Plan

LEGACY PLANNING

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax efficient manner. By working collaboratively with a qualified Estate Planning Attorney, our goal will be to help you:

  • Maximize your estate and income tax planning opportunities
  • Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
  • Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death

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The information and opinions contained herein are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

Financial Planning Guide

Please download and print our Financial Guide and be sure to bring it in with you to your first meeting with us.

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Investment advisory services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Bella Advisors and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that (Bella Advisors) and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors.