JM Retirement Analysis

We’re here to help you feel confident  about your retirement  

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You’ve worked a lifetime saving for a happy retirement…

Now is the time to cut through the confusion of taxes, Social Security, income, risk, and estate planning so you can get the retirement you want down on paper.

The JM Retirement Analysis guides you through these important topics in three steps. 

This process is not made up of any particular product or investment. It starts and stops with the retirement you want in mind. In the end, you’ll get a comprehensive retirement plan that addresses income, risk, taxes, Social Security, estate planning, and more.  

“If you plan your play, you’ll know the way.”

– AJ Ruffin

How The JM Retirement Analysis Works

Step 1:

Determine What You Want

What you want is the beginning and the end of the process. Everything in retirement should be built around what you want.

Step 2

Organize Your Assets

Chances are, your assets and investments are currently positioned to do one thing. Grow. Adjustments are in order when you retire.

Step 3

Complete Your Written Plan

A written plan shows you your investments and income all in one place. It helps you prepare for whatever the market brings. Plan your play.

Get started today by scheduling a call and see your retirement on paper!

JM Retirement Analysis step 1

Step 1: Determine What You Want

What you want is the beginning and the end of the process. Everything in retirement should be built around what you want. If you don’t know what you want, retirement could be difficult. As you leave the workplace, you are leaving a part of you behind. Be proactive and fill that void with hobbies and activities that give you purpose.

When you have a clear vision of what you want in retirement, your financial professional who can help you plan will have a clear baseline of expectations. The goal is for both parties to succeed. Just like a doctor can’t make you healthy unless you communicate, a retirement planner can’t give you the retirement you want unless you explicitly share everything.

Jm Retirement Analysis step 2

Step 2: Organize Your Assets

Chances are, your assets and investments are currently positioned to do one thing. Grow. That is great when you are still working, but adjustments are in order when you retire.

Consider the following. Your distributions must be dynamic. Even though markets go up and down, your income should only go up. How you invest can have a significant impact on how you receive your income. What is right for you may be different than what is suitable for someone else. Review your assets and make sure they align with your retirement goals, not just your investment growth goals.

Also, consider the broken clock analogy. Even a broken clock is right twice a day. Are your investments doing what they should be doing? When is the last time you had a deep dive into your portfolio? Make sure to review everything as you organize your assets and run the analysis so you can get rid of any broken clocks in your portfolio.

JM Retirement Analysis step 3

Step 3: Complete Your Plan

Once you have explicitly stated what you want in retirement and have reviewed and organized your portfolio, you are ready to create a written plan.

A written plan shows you your investments and income all in one place. The beauty of simplicity is that at any given moment, you should be able to project what your retirement will look like in a year or even ten years.

A written plan is a series of projections that take you through whatever the market brings. As a former linebacker from Auburn, AJ learned the importance of having a plan for whatever happened on the field.

No one can predict the future. That is what makes a written plan so beautiful. You can have a plan on what to do if taxes go up. You can have a plan on what to do if the market goes flat for a few years or even crashes.

Plan your play. In other words, plan how you want your retirement to be so when life happens, you don’t need to think or worry about your financial health. It is ready to act, regardless of what happens.

Get started today by clicking the button below and schedule a call. 

Ready to see your retirement on paper?

Schedule a free 30 min call and find out how we can help remove the anxiety from your retirement.

Or give us a call at 205-848-2999