We aim to demystify retirement by guiding you through the various intricacies of investment strategies, asset allocation, and retirement decisions. We prioritize client service and education, empowering you with the knowledge to make informed choices about your financial future.
By illustrating the importance of early planning, diversification, and the impact of lifestyle choices on retirement savings, our goal is to help you see a future you may have never imagined. Then we collaborate with you at every step, ensuring you approach your retirement with a clear roadmap and realistic expectations.
We foster genuine relationships built on trust, empathy, and a deep understanding of each client's goals. It's about actively listening to your aspirations, concerns, and dreams, and crafting personalized financial strategies that align with your long-term visions. We prioritize transparency, ensuring you feel empowered and informed at every step of your financial journey.
Our Planning Process
Our process-driven program includes evaluation of your current situation, identifying areas for enhancement, and asset reallocation recommendations as appropriate.
1. Our Two-Part Introduction
The Retirement Empowerment Workshop: We share concepts and concrete tools ideally suited for folks within a 10 year window of retiring.
The Personal Insight Meeting: This meeting allows us to get insight into your present situation while you get insight into AdviceOne’s perspective.
Participating in The Retirement Empowerment Workshop before The Personal Insight Meeting allows us to dive directly into customized advice at your subsequent meetings.
2. The Unique Possibilities Meeting
Here’s where the advice begins. Collaboratively, we will construct your retirement planning spreadsheet. We’ll log into Gateway and your 401(k) with you to focus on your Roth opportunities, contribution methods and potential NUA decisions.
3. The Net Present Value Solution
Using simple arithmetic, you will decide on an Asset Allocation tied directly to your retirement plan.
4. The Tactical Consensus
You will decide where and how each account you own will be invested, mapped directly to your unique Asset Allocation.
5. The Tax Summary and Estate Planning Matrix
The Tax Summary: We will review your tax returns and share them in a format that helps us spot areas for advice.
The Estate Planning Matrix: We’ll assess your estate plan (wills, trusts, POAs, etc.) and point out any weaknesses we see for you to address with your attorney. This will be the year your estate plan will finally align with your current financial situation and who you have become.
6. The Review Schedule
For us to have a continued impact on your decisions, we need to meet on a recurring basis. We suggest every four months. In the year you or your spouse decides to retire, we might meet 8 -10 times.
7. Ongoing Discussions and Social Events
To supplement your Review Schedule, we offer our Client Enrichment Series exclusively for AdviceOne clients to help you make essential decisions at each stage of your retirement (click here for a sampling). In appreciation of our clients, we also plan social events to help you keep in touch with colleagues (click here to see a few).
From our first meeting, we felt a high level of transparency and trust. While they provide expert advice and clearly lay out all the options, we always feel empowered to make the final decision. In addition, their focus on tax strategies has been a game-changer.
Rob and Deanna Elliott
Engineering, Pratt & Whitney
Tim Miller and his team have been exceptional to work with – professional, responsive, and genuinely committed to understanding our unique goals.
We feel confident and at ease knowing that AdviceOne is helping us stay on track toward a secure and fulfilling retirement. Their professionalism, transparency, and personal touch truly set them apart.
Ian Webb
Business Development, Collins Aerospace
AdviceOne is a trustworthy firm dedicated to the highest standards of client service. Not yet retired, Chelsea and I have been with this firm since 2013 and have had nothing but pleasant experiences. Carlos Henriques is second to none in his knowledge of investment strategy and is always willing to go the extra mile to give us advice and answer our questions whenever they arise. We most appreciate the fact that the whole firm is invested in the same portfolio of equities and fixed income. You won’t find a better group of people to work with before or during retirement.
Chris and Chelsea Armstrong
Engineering, Aftermarket, Pratt & Whitney
What sets Carlos Henriques and his team apart from other experts is that they offer a personalized experience adapting to my changing needs.
Christina Ostergard
Executive, Operations, RTX
We have been with AdviceOne for over 9 years. We greatly value their financial expertise, including a deep knowledge of UTC/RTX benefits and complexities thereof. They have been our trusted partner with our retirement plans. AdviceOne does a great job of navigating employer benefit changes, tax law changes, market cycles, elections, etc. and help ‘tune out the noise’ with their structured methodology. We enjoy their informative and timely webinars, social media updates, and other client events.
Scott Thomson
Commercial Avionics Engineering, Collins Aerospace
My wife and I have been clients of AdviceOne for nearly a decade. Through their guidance, we were able to develop a comprehensive retirement plan that was tailored to our specific needs and objectives. This includes not just retirement investment advice, but strategies to relieve our tax burden, estate planning for our blended family, timely real estate transactions for retirement, and college tuition planning. AdviceOne brings a deep understanding of RTX compensation systems, and this knowledge has also helped shape our strategy and position us for retirement.
Russ Grace
Hot Section Engineering, Pratt & Whitney
We had retirement ideas, thoughts and plans but we weren’t sure how to make them a reality. Then we were introduced to AdviceOne. We attended one of their Retirement Empowerment Workshops, a little skeptical, and now 10 years later those ideas have become a reality. Tim Miller has been instrumental in helping me and my partner create a personalized financial retirement plan. It’s the best financial decision we have made. It’s not just a financial business relationship – it is a partnership that I look forward to having through our retirement.
Nan Bangs
Executive, Environment, Health & Safety, Collins Aerospace
Carlos Henriques has provided us with the peace of mind that comes with a well-understood and well-executed strategy. We now understand exactly when we can retire.
Vince Sidwell
Executive, Advanced Technology, Pratt & Whitney
My wife and I have been clients of AdviceOne for nearly a decade. Through their guidance, we were able to develop a comprehensive retirement plan that was tailored to our specific needs and objectives. This includes not just retirement investment advice, but strategies to relieve our tax burden, estate planning for our blended family, timely real estate transactions for retirement, and college tuition planning. AdviceOne brings a deep understanding of RTX compensation systems, and this knowledge has also helped shape our strategy and position us for retirement.
Russ Grace
Executive, Engineering, Pratt & Whitney
The AdviceOne Difference
You’ll notice The AdviceOne Difference the moment you walk in the door. Every member of our team is dedicated to making you feel respected and comfortable. We speak your language, match your pace and comfort level, and collaborate with you on every decision.