Our process · Orlando, Central Florida & nationwide by video
Our Process: Plan, Protect and Prosper
One advisor, one coordinated plan and three simple stages. Here is exactly how we work together, from a free conversation to reviews for years to come.
✓ One clear process, tailored to what you actually need
✓ One advisor coordinating your taxes, income, insurance and legacy
✓ Plain-English meetings in Orlando or by video
Always free. No pressure, no obligation. Prefer to talk now? Call (407) 974-7100
20+ Years
Guiding Florida retirees and pre-retirees
Independent
Advice built around you, not one product
$0
Cost for your Retirement Clarity Session
FL & Nationwide
In person in Orlando or by video
How it works
Three Stages, Six Simple Steps
Every client relationship follows the same simple path. Each stage answers one big question about your money.
Stage 01
Plan
“Will our money last?”
1
Your free Clarity Session
A relaxed conversation about your goals and concerns. You leave knowing where you stand.
2
Discovery
If we work together, we gather statements, Social Security estimates, pension options, policies and tax returns, and explain why we need each one.
Stage 02
Protect
“What could go wrong, and are we covered?”
3
Stress testing
We test your plan against a market drop early in retirement, inflation, health costs and a long life, so you see where it needs support.
4
Your Retirement Blueprint
Your written plan in plain English: when to claim Social Security, which accounts to draw first, taxes and protecting your spouse.
Stage 03
Prosper
“How do we enjoy it and pass it on?”
5
Putting the plan to work
We put each piece in place and coordinate with your CPA and estate attorney. Nothing moves forward without your approval.
6
Ongoing reviews
We meet at least once a year, and any time life changes, to keep your plan on track.
Not everyone needs every step. If you only need insurance, a second opinion on one decision or help with your legacy, we use just the steps you need, so it stays short and focused.
Not sure where you fit? That is exactly what the first conversation is for.
Your Financial Coordinator
One Advisor Coordinating Your Whole Financial Picture
Most retirees we meet in Orlando and Central Florida already have pieces of a plan: a 401(k) from work, a CPA who files their taxes, an attorney who drafted a will, a few insurance policies and a Social Security estimate. What is usually missing is someone making sure all of those pieces work together.
That is our role. We act as the coordinator of your financial life, keeping one plan in view and working alongside the professionals you already trust:
✓ Your CPA, so your income plan and tax return stay in sync
✓ Your estate attorney, so beneficiaries and trusts match your wishes
✓ Insurance carriers, so coverage fills real gaps without overlap
✓ Your accounts, wherever they are held, as one retirement picture
When every decision is coordinated, nothing works against anything else. That is the foundation of the P³ Process.
What We Coordinate
Six Parts of Your Retirement, Working as One Plan
To secure a comfortable and stress-free retirement, your financial strategy cannot exist in silos. Every piece of your puzzle must be aligned and managed to work in harmony. These are the six areas we keep in sync for you.
Retirement Income Planning
We turn your savings, pensions and Social Security into a steady monthly paycheck, and map out which accounts to draw from first.
Retirement Planning →Social Security Strategies
We compare claiming ages for you and your spouse, so you can choose the timing that fits your income plan and protects a surviving spouse.
Retirement Planning →Tax Planning
We look at how each decision affects your taxes now and later, and work alongside your CPA so your income plan and tax return stay in sync.
Tax-Efficient Strategies →Medicare Planning
We explain your Medicare choices in plain English and compare your options, so your coverage fits your doctors, prescriptions and budget.
Medicare Insurance →Healthcare Planning
We plan for healthcare costs before and after 65, including long-term care, so a health event is less likely to derail the rest of your plan.
Healthcare Planning →Risk Management and Insurance
We review life, disability and long-term care coverage and guaranteed income options, to help protect your income and your family.
Insurance & Risk Management →Think of it like building a house. If the roof, walls, and foundation are not connected, the house will not stand. Your retirement works the same way.
Neither the firm nor its agents or representatives may give tax or legal advice.
Free Download
Is Your Financial Team Playing to Win?
Find out now by downloading our free Retirement Clarity Checklist and spot the gaps before they cost you.
Download Free Checklist
Local Retirement Planning
A Retirement Planning Process Built for Central Florida
We meet with clients in person throughout the Orlando area and virtually anywhere in the United States. Families across Central Florida use the P³ Process, including:
✓ Orlando
✓ Winter Park
✓ Windermere & Dr. Phillips
✓ Lake Nona
✓ Lake Mary & Sanford
✓ Oviedo & Winter Springs
✓ Kissimmee & Celebration
✓ Clermont & Winter Garden
Retiring in Florida brings its own opportunities and questions. With no state income tax, the right withdrawal and Roth conversion strategy can go further here. We also help with homestead and domicile questions for new residents, bridging health coverage before Medicare and planning for rising insurance costs, all inside one coordinated plan.
Read: Establishing Florida Domicile to Cut Your Tax Bill →
Frequently Asked Questions
Questions About Our Process
Straight answers to what people ask most before working with an Orlando financial advisor.
Do I have to go through all three stages of P³?
No. Many clients start with the one stage they need most. Someone who only needs Medicare or life insurance starts in Protect. Someone making a single decision, like when to claim Social Security, starts in Plan. You can add the other stages any time, or never.
Can I just get an insurance quote?
Yes. If you only need coverage, we will keep the conversation focused on that, compare your options and help you through the application. We may mention anything important we notice, but there is never pressure to do a full plan.
What does it mean that you act as my coordinator?
We keep one plan in view and make sure your income, taxes, insurance, investments and estate documents work together. We collaborate with your CPA and estate attorney rather than replacing them, so your whole team is on the same page.
How long does it take to build my retirement plan?
Most full plans take a few weeks from the first meeting to your finished blueprint, depending on how quickly documents come together. If you have a deadline, such as a retirement date or pension election, let us know and we will plan around it.
Do I have to move my accounts to work with you?
Not necessarily. Your plan looks at everything you own, wherever it is held. We will give you our honest recommendation about where your money belongs, and you make the final decision.
Can we meet virtually, or do I need to come to Orlando?
Either works. We meet in person in the Orlando area and virtually with clients anywhere in the United States using a simple video link. We are happy to help you get set up.
Should my spouse attend the meetings?
We strongly encourage it. Many of the most important choices, like Social Security timing, survivor benefits and legacy wishes, depend on planning together.
What should I bring to my Clarity Session?
Nothing is required for the first conversation. If it is handy, a rough list of your accounts, your Social Security estimate and your biggest questions will help us make the most of our time.
Plan. Protect. Prosper.
Your Next Chapter Starts With a Conversation
Schedule your free Retirement Clarity Session, or send us a note and we will reach out. Available in person in Orlando or virtually nationwide.
✓ Free and no obligation
✓ We will help you find the right path
✓ Bring your spouse and your questions
Not ready to talk yet? Get the free guide, 9 Retirement Blunders to Avoid or call (407) 974-7100.
