When is Your Journey Complete?
Mount Everest is the tallest mountain in the world. For those who attempt to climb it, reaching the top is only half the journey. They still have to make it down.
On the way down, the trek is more dangerous—oxygen, energy, and equipment must all be used differently to complete the journey safely.
Planning for retirement is a similar adventure. Throughout your life, as you work your way to the top, you are determined to reach a goal and retire on your terms. Once that day comes, that journey looks very different—your income, spending and personal needs all change.
Even experienced climbers will hire a Sherpa to guide them to the top of the mountain—and back down again. They have done it many, many times—they know the best way.
We consider ourselves financial Sherpas.
We help folks climb and get down the retirement mountain ensuring you have enough financial resources to live out your retirement comfortably and securely.
Before Retirement
We help you save and grow your accumulated wealth through:
Pension
IRA
401(k)
457
403(b)
After Retirement
We help you preserve and distribute your wealth and mitigate your risks through:
Social Security
Pension
Health Care
Market Risks
Taxes
Inflation
Longevity Risks
Inheritance
About Black Belt Financial
Our advisors can help you Master Your Retirement. We specialize in strategies to help you defend yourself against market declines, taxes, inflation and the high costs of healthcare.
The name Black Belt Financial comes from my training in Taekwondo and I apply those values I’ve learned to my work in retirement planning.
The Five Tenets of Taekwondo (and Retirement Planning)
Courtesy
Being polite and respectful toward clients.
Integrity
Behaving honestly and ethically, keeping the client’s interests first.
Perseverance
Encouraging clients to push through times of uncertainty and change.
Self-Control
Maintaining process-driven investments and eliminate investor emotion.
Indomitable Spirit
Giving clients the confidence to live a long, happy retirement, and the understanding of how to pursue that lifestyle.
Education and Growth
We feel it’s our professional obligation to educate our clients, so they can help themselves throughout their retirement.
We promote financial literacy by putting on a number of public workshops and seminars to educate consumers on financial topics and foster responsible management of their wealth.
Financial Planning Services
We provide a variety of services for our clients to maximize financial growth and limit risk. Regardless of your age or income, it’s never too early to start planning… and better to start late than not at all.
Start with an analysis of your financial situation to see what we can do to grow and protect your hard-earned wealth. Your initial review may include the following services:
- Concerns and Opportunities Risk Analysis
- Social Security Maximization Analysis
- Asset Cycle Portfolio System and Income Plan
- Portfolio Stress Testing
- Pension Income Analysis
- Income Tax Analysis
- ROTH IRA Conversion Report
- Traditional LTC Analysis or Asset Based LTC Review
- Multi-Generational Qualified Disbursement Review
- In Force Life Insurance Audit
- Financial Estate Protection & Maximization Review
- Beneficiary Audit
- Asset Allocation Review
- Independent Objective Portfolio Analysis
- Risk-Tolerance Score Analysis (Riskalyze)
The Retirement Risk Assessment
The risks in retirement are different for everyone. Your existing financial position, your exposure to the markets, how you want to live and many other factors can expose you to risks you may not expect. Through our retirement risk assessment, we can see many of these dangers coming and adjust our strategies accordingly to limit or eliminate these hazards all together.
As part of our risk assessment, we will explore your:
- Sequence of Returns
- Market Risk
- Longevity Risk
- Medical Expense Risk
- Incapacity Risk
- Tax Risk
- Asset Allocation Risk
We are Independent Advisors
You know the companies you see on TV that say “Talk to us about retirement”? Advisors who work for these are called captive agents. They are bound by their employers to sell their products and services, even if it’s not in the best interest of their clients.
We are independent advisors who don’t have to worry about company products, services or quotas. We’re able to contract with whichever carrier is right for your specific needs.
Our only obligation is to our clients.
Learn why working with an independent advisor is so important.
Let’s Chat
Our goal is to eliminate your financial illiteracy. In a one-on-one strategy session, we’ll discuss where you are, where you want to go, how to get there, and what we need to look out for along the way.
Upcoming Events
Throughout the year we put on events and seminars to educate the public and inform individuals about the importance of financial preparation for retirement.