Your Vision, Your Plan

Our proprietary 4-step process, designed to help you create a more predictable and reliable retirement plan.

The Two Waters Way
If you're like many people who come to see us, you likely have some concerns about what happens after you cash that last paycheck. Our planning process, “The Two Waters Way,” has been carefully designed to help you achieve two primary objectives in retirement — attain your ideal lifestyle and the confidence to focus on the areas of your life that are most important to you.

First Visit

Retirement Vision

At our first visit together, we'll work with you to crystalize your goals, concerns and priorities, as well as establish your personal benchmarks for success. We'll assess if we're a good fit, and if there's a clear alignment, we'll schedule our next visit.

Second Visit


During our second visit, we'll review our analysis of your current situation and share a rough draft of your recommended plan. If we're in agreement, we'll initiate our formal engagement agreement and begin first steps toward plan implementation.

Third Visit


In your third visit, we'll begin by reviewing recommendations and addressing any questions. From here, we'll begin implementing your plan by establishing your accounts and funding sources and begin building your personalized income and investment strategy.

Fourth Visit

Ribbon Cutting

In this visit, we'll take you through our formal delivery process, reinforcing the structure of your plan and expectations moving forward. We'll also provide personalized access to your TWW Client Tech Suite, as well as copies of all of your plan files in one organized place. Finally we'll discuss next steps of your plan implementation.

Our Two Waters Way process is designed to help you work toward your ideal retirement
by strategically addressing five key areas of planning:

Income Planning

Investment Planning

Tax Planning

Health Care Planning

Legacy Planning

Investing involves risk, including the potential loss of principal. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Guarantees and protections provided by insurance products, including annuities, are backed by the financial strength and claims-paying ability of the issuing insurance carrier.

Still have questions?

We believe in transparency.  Our industry has given itself a black eye by disguising fees and hiding them in investment products.

Our investment management fee includes your account management, ongoing planning, and as many visits as you like throughout the year to meet with us and our team.

You will always know exactly what you're paying and how we're being compensated.  All of our fees are disclosed before any documents are signed or accounts are moved or transferred.  And, if there's EVER a question, simply ask.


This is actually one of our biggest assets. Leveraging technology to make our clients' lives easier.

In fact, many of our local clients prefer to meet with us virtually to avoid sitting in traffic or interrupting their days.


We understand that busy schedules and family time can interrupt a normal workday so we're happy to accommodate other meeting times. Just call our office to discuss your needs and we'll set something up.

There are two really important things about our firm that separate us from others:

1. All we do is focus on retirement and tax planning for people age 50+. We are experienced in retirement and income planning with two simple goals. One, help you retire confidently with a plan that helps to deliver your perfect average day in retirement. Two, don't overpay the IRS.

2. Many firms focus solely on how quickly they can grow and how fast they can get there. We've made the decision to grow exclusively with the right families, which allows us to deliver premium value and highly personalized attention to our clients.

Ready to take

The Next Step?

For more information about how we may be able to assist or serve you, schedule a meeting today or register to attend an event.

Or give us a call at 704.275.2500.

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