Roman Retirement Planning, LLC offers financial services and education for every step of your financial journey.
Roman Retirement Planning, LLC provides comprehensive retirement plans. We help calculate the cost of retirement and work together with our clients to develop and achieve a savings target and distribution strategy. We analyze existing investments and recommend any necessary changes. We include direction on Social Security and pension elections to reach retirement goals while providing guidance on the impact of taxes on future cash flow.
We make every effort to educate our clients and to implement and execute a sustainable retirement plan they are comfortable with.
We use this meeting to get to know each other. We want to understand what is important to you and whether we can provide the service you are looking for.
At this meeting we will review your current and future income sources and monthly expenses, as well as any upcoming large expenses. We will also review your investment strategies, tax planning, insurance coverage and estate plans.
This is our time to discuss the probability of success with your existing strategies and to make adjustments if needed. Together, we can create a plan that you are comfortable with.
Your Retirement Plan provides the information necessary to implement the recommended strategies yourself or with our help. Should you choose to work with us to implement the plan, we will assist you in executing any recommended changes to your current strategies.
Roman Retirement Planning, LLC, helps clients manage the financial impact of challenging life events, such as death and divorce.
Whether you are trying to understand how your financial situation has already changed, or will change, as the result of a life-changing event; or you are negotiating the division of assets; we want to help. At this meeting, we will discuss the change you have gone through or are anticipating and what you can expect with your finances, generally, as a result of that change.
At this meeting, we will look at expenses and sources of income, both current and future. We will also talk about your priorities and any change in the ownership of assets. Together, we will design a Transition Plan that helps you move forward confidently towards a successful financial future.
At this meeting, we will review your financial decisions and answer any questions about your new financial future. We will make adjustments as necessary, as your personal situation may continue to change.
The assumption of assets after a death and the division of assets after a divorce must be done very carefully, so as not to trigger any unintended tax consequences; policy penalties; or income shortfall.
We will work with any lawyers and/or mediators, insurance carriers, or custodians to ensure that any such assumption or division is done correctly and efficiently.
Roman Retirement Planning, LLC helps clients in the accumulation phase of their financial lifecycle. We provide a rules-based investment program, designed to build assets using strategies with defined risk.
During this meeting, we want to learn what is important to you. We want to understand your decision-making process as it relates to your portfolio; your current financial situation; and your financial goals.
At this meeting, we discuss your risk tolerance, your timeline until retirement and your sources of guaranteed lifetime income. We educate you with respect to anticipated volatility of your existing investments compared to the risk associated with rules-based investment strategies.
In this meeting, we carefully review the analysis performed on your existing portfolio. We discuss the tax treatment, potential risk and historical performance of your existing investment strategies. If any changes are recommended, we outline those recommendations and compare the risk associated with a proposed portfolio using rules-based investment strategies. If appropriate, we also discuss the possibility of using strategies that can provide additional sources of guaranteed lifetime income.
If you choose to accept our recommendations, we are happy to assist you with the implementation of your Investment Plan. We prepare and submit the necessary paperwork and track the progress of the recommended changes.