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If you’re like most people we help, you’ve spent decades doing all the right things. You’ve saved diligently in your 401k, you’ve invested, and you’ve built up a great portfolio. But as you get closer to retirement, the questions start to change. It’s no longer just about how much you save, it’s about how all your different pieces, your investments, your social security, future taxes, estate planning, and healthcare are going to fit together

to create a reliable income stream that you can live on. That’s where a lot of people begin to feel a little stuck. Maybe you have someone who helps you with your investments, but no one is looking at the whole picture for you. My name is Danny Gudorf, and today I want to pull back the curtain and show you our exact process for building out retirement plans. We call it our Limitless Retirement Program. And it’s the step-by-step journey we use

to bring all the pieces of your financial life together so you can move forward in retirement and live the dreams you want to live. Before we dive into the steps, it’s important to understand why we follow this kind of process. Most of the financial world focuses on one thing, managing investments. But true retirement planning is about more than just a portfolio. It’s about turning those investments into dependable income streams

preparing for healthcare costs, minimizing lifetime taxes, and protecting your family. Every decision is connected. You can’t make a smart move in one area without seeing how it affects the others. That’s why we created our Multi-Client Family Office, a coordinated approach where investments, tax, financial, and estate planning all work together under one roof. A one-size-fits-all plan can leave costly gaps.

Our limitless retirement process is designed to close them. Through a series of intentional meetings, we look at every part of your financial life, one step at a time, so nothing gets overlooked and every recommendation aligns with your retirement goals. Everything begins with a simple fit call. The purpose is straightforward, to see if we’re the right fit for one another. This isn’t a sales call, it’s a genuine conversation about where you are today.

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and what you want for the future and what concerns you most about retirement. You’ll share your story. We’ll ask questions and decide if you feel confident that our approach is right for you. If we both agree to continue to the next step, this is where your retirement assessment begins. We will begin building the foundation of your retirement plan. It’s essential that both you and your spouse attend this meeting. Retirement is a team sport.

and your goals and dreams both matter. Couples who go through this process together end up with stronger plans and greater confidence in their future. During the assessment, we won’t overwhelm you with charts or financial jargon. Instead, we’ll focus on what your retirement purpose is. What does your ideal retirement look like? Do you want to travel, spend time with grandkids, or endeavor into a new passion project? Do you want to leave a legacy?

or enjoy every dollar you’ve earned. There’s no right or wrong answer. This step is about defining your North Star, the vision that will guide every financial and tax decision we make together. Once your assessment is complete, we’ll meet again to review our findings and recommendations. And plain English, we’ll show you exactly how to strengthen your plan, lower your tax bill, and optimize your investments. At that point, we’ll simply ask you to think about it.

We’re looking for long-term relationships and not one-time transactions. If it’s not the right fit, we’ll gladly point you in the right direction. But if you’d like us to implement the plan and become your financial advisor, we’ll move forward by onboarding you as a client and scheduling your intro meeting. This is where we go about setting up all of your new accounts, getting your beneficiaries primary and secondary, and transferring all of your assets into

this simplified structure. Next, we’ll schedule your investment meeting. The first step is putting together your personalized strategy into action. From there, we’ll design the engine that powers your retirement income. Our investment philosophy is different than the accumulation mindset of your working years. It’s built on preservation, consistency, and smart risk management. We’re not stock pickers or trend chasers.

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We build durable all weather portfolios aligned with your income needs and comfort level with risk. We use a simple but effective three bucket approach. Your reserve bucket holds several years of planned spending and stable cash, fixed income investments with your safety net when market fluctuates. Your growth bucket focuses on long-term growth through diversified ETFs and index funds designed to outpace inflation.

Every allocation is customized to your goals, timelines, and risk profile. You’ll always understand the why behind each decision and feel confident in how your money is working for you. With your investment plan in place, the next step is the income and tax planning meeting. This is where we answer two key questions. When can I retire and how much can I safely spend without running out of money in retirement?

We know the old 4 % rule doesn’t reflect how real retirees live. Spending changes over time, often higher in those early active years and lower later on in retirement, with healthcare costs rising down the road. Our goal is to build a plan that adapts with you, giving you clarity on every step. That’s why we use a more dynamic approach called the retirement income guardrails.

Instead of a rigid fixed percentage withdrawal, we build a flexible spending plan that adapts to your life and market conditions. We’ll look at all of your income sources, social security, pensions, and your portfolio and map out a cash flow plan that’s designed to support the lifestyle you want. Then we’ll stress test this plan against different scenarios to make sure it’s resilient. The goal is to give you

a clear monthly spending target that you can feel confident about. We want you to know when it’s okay to spend more and enjoy the fruits of your labor, but also have a plan to make modest adjustments if we hit a rough patch in retirement. This meeting is all about replacing uncertainty with a concrete actionable income plan. It’s about shifting your mindset from accumulation to distribution, which can be a hard transition.

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We’re here to educate you and show you how your portfolio is designed to provide that reliable income. In addition, we’ll create your retirement tax plan. For most of your life, taxes are something you deal with once a year, looking backwards. In retirement, tax planning becomes a proactive, forward-looking strategy that can save you tens or even hundreds of thousands of dollars over the rest of your retirement. The goal is simple.

to make sure you pay as little tax as legally possible over the course of your entire retirement. This is about more than just filing your tax return. It’s about creating a tax efficient withdrawal strategy. We start by doing a deep dive into your tax return using our 37 point tax checklist. We’re looking for opportunities. We’re planning for the next five, 10, even 20 years down the road. We’re trying to map out the most efficient way

to draw your income from your different accounts, your pre-tax 401Ks and IRAs, your tax-free Roth accounts, and your taxable brokerage accounts. We’ll analyze strategic Roth conversions, figuring out if and when it makes sense to pay some tax now to enjoy tax-free growth later. This is especially important for managing your future required minimum distributions or RMDs, which can create significant tax issues in your 70s if you don’t plan for them.

We’re looking at every single angle to make sure your retirement income isn’t eroded by taxes. This proactive approach is one of the biggest differences between our holistic planning approach and traditional investment management. And it’s where we can add tremendous value. The final meeting and our limitless retirement program is the security and legacy meeting. Think of this as making sure your entire foundation of your plan is solid.

and all the important details are buttoned up. This is where we address the what ifs. We’ll review your estate plan. Do you have a will and a trust in place? Are your beneficiary designations up to date? We want to make sure your assets will pass to your loved ones smoothly and efficiently according to your wishes. We’ll do a full review of your insurance needs. Do you have the right coverage in place? A big topic here is long-term care.

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It’s a major risk for retirees and we want to have a clear plan on how we’re going to pay for long-term care if needed. Whether it’s through insurance or self-funding, finally we’ll tackle healthcare planning. For those retiring before 65, this means creating a strategy to bridge the gap until Medicare begins. We’ll run the numbers and make sure you have a clear budget for healthcare costs throughout retirement.

This meeting is about providing the final layer of confidence. It’s about knowing that you have a plan, not just for the good times, but also for times when things are uncertain. It’s the final step in creating a truly complete, resilient retirement plan. So that is our Limitless Retirement Program. It’s an intentional, thorough, and deeply personal process designed to give you a complete retirement roadmap. It moves you from a place of uncertainty and complexity

to a place of clarity and confidence, knowing that every piece of your financial life is working together to help you live the retirement you’ve always wanted. It’s about making sure you have a trusted partner walking alongside you, not just for the first few months, but for your entire retirement journey. You’ve worked way too hard to leave your retirement to chance. You deserve a real plan and a team of advisors, CPAs, attorneys, and certified financial planners

who put you first. So if this sounds like something you’re interested in and you’re ready to take the first step, click the button below to schedule your free fit call.