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    Retirement Planning For Individuals Over Age 55

    REDUCE TAXES · INVEST SMARTER · OPTIMIZE INCOME

     

    The 365 Retirement Plan Process:

    A 5-step process designed to create a personal relationship with you, taking the time to truly understand your unique personal and financial situation, to help you evaluate our services and make an informed decision about working together.

    Get Started ⟹

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    We are retirement planning professionals and do our best work with:

    Aged 55+

    Retirement investors over age 55 who are retired, or want to make "work optional" in the next five years.

    $500,000+

    Diligent savers who have accumulated investments of $500,000 or more. (Excluding real estate.)

    Professional Guidance

    People who value hiring a professional because they know their retirement is too important to manage it alone.
    The 365 Retirement Plan Process:

    Step #1 -  Schedule 15 min. Introductory Call

    A 15-minute phone call will give us both a chance to make sure your situation matches our expertise.

    After all, you wouldn’t see a podiatrist if you needed heart surgery!

    Schedule Your Call ⟹

    Step #2 -  Team Meeting

    The next step is meeting with our team (in-person or virtually). During this 1-hour meeting, its is all about you — your concerns, your dilemmas, and your ultimate wish list for retirement.

    This thorough question-and-answer session is dedicated solely to you, and will help us create a solid foundation on which to build our next step in the process.

    Our job is to listen to you and ask the right questions so we can help you create a customized plan.

    Step #3 -  The Analysis

    We assess your current financial position with a detailed analysis of your: 

    • Savings 
    • Investments 
    • Retirement accounts 
    • Life insurance policies 
    • Income surplus/deficit 
    • Social Security benefits 

    At this stage, we will also take a look at your current investments and run a personal benchmark analysis. We explain the strengths and weaknesses of your current portfolio, and provide your percentage probability of success in retirement if you stay with your current investments.

    We show you whether you are on track to meet your goals based on our analysis, or if an adjustment is needed to get on track.

    Step #4 -  Assessment & Recommendations

    This is where we present your customized 365 Retirement Plan.

    This presentation includes our recommendations and investment strategies.

    This comprehensive strategy coordinates all aspects of your personal and financial situation that we gathered in the previous stages. We provide specific recommendations on how to accomplish your retirement goals. 

    When creating your plan, we strive to:

    • Provide advice tailored to your circumstances
    • Minimize & reduce future tax liabilities
    • Educate about strategies to protect & distribute assets
    • Build a foundation for reliable income to meet expenses
    • Implement strategies to grow savings efficiently and hedge inflation

    We take the time necessary to answer any questions you may have during this stage of the process.

    Step #5 - Implementation, Maintenance, & Monitoring

    Your 365 Retirement Plan is in place! You can have added confidence that we will monitor your plan’s performance and make suggestions as needed to help make sure it continues to be as successful as possible.

    We will regularly monitor your accounts, assets, and goals to help ensure they continue to align with the written plan we built together.

    If anything changes with your desires or your situation, we will reconvene to adjust the plan as necessary to evolve with your needs.

    If we note anything of concern while monitoring, we’ll contact you so that we can choose a plan of action together.

    Think About It!

    At the end of this process, we will simply ask you to think about it. We are looking for long-term relationships, not a quick transaction. If you decide that we aren’t a good fit, we will happily help you find another professional with the right expertise. There is never a hard-sell or pressure to say "yes."

    Step #1 -  Schedule 15 min. Introductory Call

     

    Click here to schedule ⟹

     

    Still Have Questions? Keep Reading...
    There are three really important things about our firm that separate us from others:

    1. All we do is retirement planning. We are retirement specialists with a simple goal of making sure you don't run out of money.

    2. We limit the number of new clients we take on so we can ensure that our clients receive massive value and personalized service.

    3. We invest in industry-leading technology to simplify our clients' lives, so our retirement plans work every day of the year, so you don't have to.

    We do our best work with people looking for a long-term relationship. Currently, our firm is not equipped to offer an hourly fee schedule or a one-time project fee option.

    If you need help locating a financial planner who offers these fee options, send us a note and we will do our best to get you in the right hands.

    Great question! But first, let us explain why you shouldn’t hire us.

    If you’re looking for someone who will simply trade stocks to “beat the market,” you’re in the wrong place. 
     
    Why? Because we focus on what you can control. Predicting whether or not the stock market will rise or fall, or speculating what interest rates will do next, are not things you can control.

    But if you are interested in things like lowering your tax bill, investing smarter, and creating a reliable income stream in retirement, you’re in the right place.

    Yes! While many of our clients are in Southern New England, we work with retirement savers all over the United States.

    Our firm is equipped to meet with clients and potential clients through the video conferencing software, Zoom.

    Each virtual meeting is protected by a complex, unique password and we adhere to the strict security guidelines necessary to protect your privacy.

    Step #1 - Schedule Your 15 Minute Phone Call

    The purpose of this call is to answer your questions and ensure our expertise matches your needs.

     

     

    Not quite ready to schedule an appointment? That’s OK!

    Subscribe to updates from our blog/newsletter: 

    WealthGuard™ is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuard™ is added to client accounts to help protect from downside risk. WealthGuard™ is not a stop loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. The money manager trades the account as indicated on the WealthGuard™ agreement. 

    There is no guarantee the exact WealthGuard™ value will be captured, or assets will be traded or liquidated the same day the WealthGuard™ value is reached due to time of day and/or market restrictions. WealthGuard™ is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuard™ percentages. 

    WealthGuard™ does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuard™ makes no warranties to the legality or suitability of any investment product.

     
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    Rubino & Liang, LLC.
    189 Wells Avenue, 3rd Floor
    Newton, MA 02359

    Phone: (617) 630-8787
    Fax: (617) 630-8325

    © 2022 Rubino & Liang. All Rights Reserved.

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    This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, tax or investment advice. By contacting our company, you may be offered information regarding insurance and fixed annuity products.

    Ryan Marston and John Conley are Investment Adviser Representatives of Retirement Wealth Advisors, Inc. (RWA), an SEC Registered Investment Advisor. Rubino & Liang Wealth Partners, LLC and RWA are not affiliated. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

    This information is designed to provide general information on the subjects covered; it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Rubino & Liang Wealth Partners, LLC and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

    Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc. Insurance and annuities offered through licensed professionals of R & L Insurance Agency, LLC. MA Insurance License #1783398.

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    For the detailed requirements of the Better Business Bureau, please visit: https://www.bbb.org/