The Right Retirement Plan

For households $500K+. Five uncorrelated income sources, not one bet

The Five-Layer Income Model · A Short Briefing

Stocks and Bonds Can Fall in the Same Year. One Income Plan Shouldn’t Depend on Either.

One market year should not decide your retirement. Our select advisors are trained in the Retire Ready Plan to coordinate your income, taxes, investments, protection, and estate in one place.

No pitch, no pressure. You leave the call knowing exactly where you stand.

A real retirement plan covers five areas. Most people have only looked closely at one.

An income plan review. Where your retirement paycheck comes from each month, and the order you draw from each account.
A tax plan review. When your Roth conversion window opens, what RMDs will look like, and the withdrawal order that keeps more of what you saved.
An investment review. What you are paying in fees, how your money is allocated, and how much risk you are actually carrying.
A protection review. What is covered if health costs rise or a spouse needs care, and where the gaps sit today.
An estate coordination check. Whether your accounts, beneficiaries, and documents line up with where you want the money to go.

A review at this depth typically runs $895 when a family pays a fee-only advisor for it directly. Every advisor in our network provides it as a complimentary starting point.

By your second meeting, you will have walked through all five reviews with your advisor, and you will know exactly where you stand.

There is no obligation after your review. Every advisor in our network is a fiduciary, required to sit on your side of the table.

Built for households with $500,000 or more saved, generally within about ten years of retirement. If that is not you yet, the five layers below are still worth understanding.

Educational content only. Not a recommendation to buy any specific investment or insurance product.

Start Here

See if your household qualifies.

About a minute. No pitch, no pressure. If this is not right for you, we will say so before booking.

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About a minute. Nothing is booked yet.

Next: A single page asking about your current retirement plans. Then pick a call time.

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See The Architecture

Five income sources, built so one shock doesn’t sink the plan.

This is the layer map your advisor reviews with you before anything is recommended. You see the whole picture either way.

The Five-Layer Income MapReviewed with you

Built from investments and cash flow you can understand. No layer depends on an annuity or insurance contract.

Traditional foundation

Core investment holdings built for steady, lower-volatility income.

Alternative income

Institutional-caliber alternatives and structured, defined-outcome strategies designed to limit downside while still participating in gains. Defined terms and caps apply.

Tangible assets

Real-world assets that can add inflation-sensitive cash flow.

Legacy protection

Tax and estate strategies that support income across your lifetime.

Non-investment income

Social Security, pensions, and other cash flow not tied to portfolio swings at all.

Illustrative structure. No specific investment, insurance product, or rate of return is recommended here. That happens, if at all, on your call.

01
Where your income actually depends on one bet.
A plain read on how many of your income sources move together, and what happens if they move down together.
02
Whether the five-layer model fits your household.
Including a direct “no” if $500K architecture is not the right move for your numbers yet.
03
A clear picture of where your income stands.
What is covered, what is exposed, and the exact next steps. No obligation either way.

Complimentary. No obligation.

How It Works

How the five layers work together.

Cover the must-haves first

A traditional foundation of steady, lower-volatility holdings covers what has to arrive every month.

Add income that doesn’t move with the market

Alternative sources are layered in so a stock and bond decline does not touch every dollar at once.

Add real assets and legacy strategies

Tangible assets and tax and estate planning support income and protect what is left for family.

Let the rest keep working

Non-investment income and remaining growth assets stay working without being forced through the same risk.

Inside Layer Two

Strategies most retail portfolios never see.

The alternative income layer is where institutional-caliber alternative investment options and structured, defined-outcome strategies can live: approaches built to limit downside while still participating in market gains.

Worth understanding before you choose: participation caps, defined outcome terms, liquidity considerations, and the credit of the issuing institution all shape what these strategies deliver. Your advisor walks through whether any of them fit your layers. Nothing here is a recommendation.

The Retire Ready Plan™

One plan that covers every part of retirement. Not just a portfolio.

Every part covered

Income, taxes, investments, and the family and estate side, planned as one piece instead of four.

Never cookie-cutter

No model portfolio dropped onto your numbers. The plan is built from your accounts, your brackets, and your timeline.

Tax planning built in

RMD timing, Roth conversion windows, and bracket management live inside the plan, not in a separate office.

Advanced strategies included

The institutional-caliber alternatives and structured strategies named above, weighed for whether they belong in your plan.

The standard behind it: vetted, fiduciary advisors in the network. Planning first. The first conversation is planning, not products.

Complimentary. No obligation. 30 to 45 minutes, depending on your situation.

A Fair Note About the Model

Five layers reduces reliance. It does not remove risk.

That is not a disclaimer buried in fine print. It is the first thing worth knowing, said plainly, before thirty minutes on a call.

No annuities required. No insurance products sold. Income designed from investments you can understand.

Every layer above is built from investments and cash flow, not insurance contracts. If the only income plan you have been shown starts with an annuity, this briefing walks through the alternatives to insurance-based income in plain English. That is not a criticism of any product. It is a different way to design income and protection, and it is worth seeing both before you choose.

Uncorrelated is not risk-free.

Spreading income across five sources reduces how much depends on any one of them. It does not eliminate market or economic risk entirely.

There is a real minimum.

$500,000 in savings is generally the baseline where this level of income architecture is worth the added complexity.

This is not a product pitch.

The five layers describe a structure, not specific investments recommended sight unseen. That only happens after a real conversation.

Some households do not move forward.

If the model is not the right fit, that is exactly what you will hear, before anything is booked.

Educational purposes only. Not investment, tax, or legal advice. Advisors in the network are independent fiduciaries, reviewed on an ongoing basis.

What Happens on the Call

Thirty to forty-five minutes. Three things covered. No script.

01
Your current income sources, mapped
Walked through against the five layers to see how much depends on any one of them.
02
Whether the model fits your household
Including the honest “not yet” if five-layer architecture is not the right move for your numbers.
03
Exactly where your income stands
What is covered, what is exposed, and the next step. No obligation either way.

You pick the time.

No cold calls, no queue. You choose when the conversation happens.

Is this a sales call? No.

Your advisor is an independent, fee-based fiduciary, and will say so plainly. Nothing is sold on this call.

Two Honest Outcomes

Either the five layers fit your household, or they do not.

A single bad year in stocks and bonds does not ask permission first. Thirty minutes is enough to see how many of your income sources would feel it at the same time, and what the honest fix looks like, if there is one.

Complimentary. No obligation. You leave with clear next steps either way.