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Our Approach

STEP 1

Discover and Implement

Step 1

Explore and identify your money vision

We help you build a framework for your financial decisions.

  • Learn about your background and history with money

  • Ask questions to help identify your core values

  • Collaboratively point toward your initial goals

  • Use your core values to inform results and tools


Prioritize and automate your cash flow

We help you understand your cash flow and how it is used to achieve your money vision.

  • Establish current income streams

  • Review current spending

  • Analyze current debt

  • Review cash reserves and liquidity

  • Optimize banking structure

  • Automate cash flows


Create and execute your investment strategy
 

We help you invest your cash flow to ensure its alignment with your money vision.

  • Provide investment education

  • Determine your risk preference

  • Establish investment strategy for three different time horizons

  • Construct portfolio

  • Adjust asset allocation

  • Monitor market conditions and investment performance

STEP 2

Expand and Adapt

Step 2

Create your long-term money vision projections
 

Provide a thumbnail sketch of how your financial future looks. Help you focus on the decisions and variables that will affect your ability to achieve your money vision.

  • Utilize financial planning software

  • Input your estimated expenses and income sources both current and future

  • Identify key sensitivities in your financial plan

  • Input particular “what if” scenarios to identify potential outcomes and their assumptions
     

Lean into your money vision tax efficiency strategies

Save on taxes and get ahead of the game.

  • Engage software that reviews prior year tax returns

  • Recommend tax efficiency strategies

  • Facilitate communication with your CPA

  • Refer to CPA when appropriate
     

Optimize the value of your employee benefits
 

Employee benefits are a critical part of your savings toward your long-term money vision.

  • Set strategy for employer-sponsored retirement plans

  • Create allocations and/or manage your 401k’s, 403b’s, etc.

  • Analyze Health Savings Accounts, Dependent Care Flexible Spending Accounts, etc.

  • Review health, disability, and life insurance policies

  • Discuss employee benefit goals with business owners

Neither the firm nor its agents or representatives may give tax advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

STEP 3

Thrive and Enjoy

Step 3

Create your on-going money vision income stream
 

Replace your employer checks with a reliable and sustainable income stream.

  • Determine your possible income gap

  • Understand the factors influencing your income stream

  • Define the different platforms used for creating an income stream

  • Model the differing outcomes of potential income streams over the long term
     

Optimize your Social Security benefits

Consider Social Security benefits as an “asset” and act accordingly.

  • Understand the fundamentals of your Social Security benefits

  • Use up-to-date software to determine your benefit amount-not all calculators are created equal

  • Model different claiming strategies and their impact on your long-term income projections

  • Understand the tax implications associated with your benefits

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R&R Financial Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any other government agency.

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Ensure you have the proper insurance + legacy planning strategies

We help provide you confidence that your family is protected in case anything ever happened to you.

  • Review your need for life and disability insurance

  • Evaluate your permanent and long-term care policies

  • Educate you about legacy planning and /or review your current legacy strategy

All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to guarantees or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

 

Neither the firm nor its agents or representatives may give tax advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

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