The Dream Life Process

Our trademarked process is designed to get you to your HOW. Schedule your complimentary Discovery consultation today and start living your Dream Life!

Discovery Consultation

DREAM

DISCOVERY

In this meeting, we will take the opportunity to learn about you and your long-anticipated retirement goals. We will discuss your savings, investment strategy, risk tolerance, and your planned retirement timeline. Utilizing our LIFE process, we ensure that all relevant aspects are addressed. The information gathered during this Discovery meeting will be utilized in the development of your retirement plan, which we will present to you in our second meeting, the Endorsement Meeting.

RESEARCH

In this phase, we will focus on the "How." Our solutions will leverage the valuable insights you have provided regarding your current situation and your envisioned retirement. During this stage, we will undertake the necessary analysis to identify how you can achieve the retirement you aspire to. This is where we translate your goals into an actionable plan, determining the required rate of return on your assets to generate the income and growth needed for your comfort and security in retirement.

ENDORSEMENT

This meeting serves as our second in-person discussion, during which we will recap the information you previously shared and address the concerns you raised regarding retirement. We will present our recommended plans, which will serve as a comprehensive guide to transition you from your current situation to the retirement goals you previously articulated. Our aim is for you to select the plan you feel aligns best with your preferences. Moving forward, you will know what steps to take, why you are taking them, and where they will lead.

ACTION

This step is pretty straightforward and marks the transition from the planning phase to taking the necessary action to implement your selected path to retirement. Depending on the endorsed plan you have chosen, there are likely additional tasks we must complete. While this phase is slightly mundane as it involves necessary documentation and paperwork, it also signifies your commitment to the plan. Your commitment reflects your confidence in moving closer to a fulfilling retirement.

MONITOR

After you have selected your preferred plan, our collaboration continues to evolve. We will regularly monitor your plan's progress towards our intended goals and provide performance reports at least quarterly. Additionally, we will meet at least once a year to review the plan's performance and ensure that no significant changes have occurred. If there have been any changes to your situation or goals, we will revise the plan accordingly. Of course you would want to reach out if a significant change occurs at any time – we are here to support you.

LIFE

LIVING

In this phase we aim to evaluate the income required for you to realize your desired lifestyle in retirement. Our objective is to understand your current situation and your aspirations, enabling us to provide tailored recommendations that support your ideal retirement. Furthermore, we will consider all existing income sources, including Social Security benefits, and explore strategies to mitigate potential tax implications, ultimately enhancing your financial outcomes.

INVESTMENTS

In this stage we will be looking for ways to maximize the potential of your investments. Therefore, we will assess your current asset allocation and explore opportunities for repositioning these assets to reduce fees, ultimately allowing your investments to generate greater returns. This strategic approach aims to enhance your wealth over time. We will ensure that any repositioning aligns with your investment risk tolerance and retirement timeline, as these assets are positioned for long-term growth.

FORTIFY

This section can present certain challenges, and we strive to make the process as positive and constructive as possible. Here, we aim to identify any concerns you may have regarding potential threats to your assets and your family’s security. This may include issues such as legal actions, unexpected death, or insufficient long-term care insurance in light of a family history of serious health conditions. Our goal is to ensure that you, your family, and your assets remain protected in the event of unforeseen circumstances that could impact your health, financial stability, and overall well-being.

ENDOW

In this section, we invite you to outline your preferences for the distribution of your remaining assets upon your passing. Your preferences will assist us in determining the most effective way to establish accounts that minimize tax implications on asset transfers, while also ensuring your assets are distributed according to your wishes with minimal complications and delays often associated with probate. If you are considering leaving a legacy for your spouse, children, or a charitable organization, we are here to help you structure accounts to fulfill those intentions.

"I worked with a financial advisor in the past and I finally feel like I am being heard."

Simone Woods

"I always thought investing in the stock market was scary because I didn't understand it and I had no control over my money. Working with Haviland Aldridge, I no longer feel the same way."

Nicole Yang

"I had only ever invested in my company's 401(k). I was scared about what to do in retirement when no longer receiving a paycheck. Working with Haviland Aldridge I am now looking forward to my last day of work."

Maria Vargas

"I now feel like my previous financial planner did not really have a plan designed specifically for me. After going through the DREAM LIFE process I feel the retirement plan I have is truly unique to my specific goals."

Beatrice Callahan

"Haviland Aldridge has been wonderful to work with. Everyone I have met there has truly been gracious. Steve has taken time to make sure I understand everything we are doing and why."

Martin Larick