A structured path from discovery to implementation — seven steps built around analysis, architecture, and precision.
"Analyze and diagnose before prescribing."
The process begins with education — a retirement income seminar, a referral, or an introduction through the Architecture of Retirement. The goal is simple: determine if there's alignment and a reason to go deeper.
Before any recommendation is made, we need a complete picture. The StructureReview™ is a structured digital intake covering every dimension of a client's financial situation — qualified plans, business interests, estate, long-term care, and lifestyle.
The advisor-led Allocation Supplement captures the risk and suitability data that the Allocation Modeler needs to function. This includes risk tolerance, time horizon, income needs, liquidity requirements, and health profile — the inputs that drive the algorithm.
The Allocation Modeler processes the Supplement data through an algorithmic engine and produces an IncomeArc™ allocation recommendation — how much of the client's assets should go into each of the four layers. The client reviews this output collaboratively with the advisor and can override any recommendation before parameters are set for the live session.
With allocation parameters confirmed, the IncomeArchitect™ Modeler runs a live session with the client — modeling the agreed architecture in real time. The advisor walks through the visual income projection layer by layer, showing the client exactly what their retirement income picture looks like under their specific plan.
The formal presentation brings together the IncomeArchitect™ output, carrier illustrations, and a complete review of the planning flags identified in the StructureReview™. This is where questions are answered, priorities are aligned, and the client approves the path forward.
Implementation is coordinated across every dimension of the plan — applications, rollovers, 1035 exchanges, and tax counsel coordination with the client's CPA or attorney. Once in place, the relationship continues with an annual StructureReview™ to ensure the architecture stays aligned as circumstances evolve.
The first step is understanding exactly where you stand. Complete your StructureReview™ before your first meeting and arrive with a complete picture already in place.
Begin Your StructureReview™