You'll have to start with a plan.
A good plan starts with sound advice.

We're a little different from most brands. That's because we don't believe you should invest without having a good, objective plan. To us, investing before planning is the equivalent of asking your doctor for a prescription without first being examined and diagnosed. That's why you’ll be asked to choose from one of the planning and advice services listed below when you work with us.

You can rest assured that, regardless of the option you choose, we'll only share advice and planning information that is both actionable and portable, so you can have full peace of mind knowing we can help you achieve a comfortable and stress-free retirement.

Advice and Planning Options




GOOD FOR YOU IF: You want peace of mind knowing you're making the right investment decisions. Clients who've received the most value typically have a net worth of less than $2 million. In addition to investment advice, you have specific planning needs for which you’re seeking answers. Clients who've received the most value typically have a net worth between $2 and $5 million. In addition to investment advice, you have more in-depth and complex planning needs. Clients who've received the most value typically have a net worth of $5 million or more.
Core services
Portfolio Review During this meeting, we'll assess where you started, where you are now, and what changes you need to make moving forward.
Review of Current Investments An investment review will help us make sense of how you are currently investing your money and how the performance of these investments is impacting your plan.
VR Score We’ll help you navigate the latest technology to pinpoint your personal risk number to ensure any investments you currently own are aligned with your risk tolerance. This aspect of planning is likely a little different from what you've experienced elsewhere in that it removes any subjectivity from the process which detremines your appetite for risk.
Asset & Strategy Allocation This is a fancy way of saying that based on your investment goals, risk tolerance and time horizon, we will build a custom roadmap for your investments. We'll do this by using a variety of asset classes (stocks, bonds, etc.) to achieve a high level of diversification and long-term stability. Regardless of whether you want Vision Retirement to implement the changes or not, you’ll easily be able to identify what changes, if any, you’ll need to make to your current investment portfolio.
Essentials Checkup Similar to an annual physical (but a lot less nerve-racking), our nine-point inspection program will generate powerful insights into how well you are managing financial basics. For example, we’ll review your credit reports and Social Security account, how you’re updating beneficiaries, and much more.
VRConnect Our next-generation wealth management platform keeps you connected to your finances by providing a consolidated view of your investments and cash flows. What's more, our technology features an intuitive interface that allows for account aggregation and helps you to take full advantage of powerful interactive planning tools. Core Vision clients have access to account aggregation features. All other clients have access to these features, as well as to a variety of other tools.
Weekly Market Commentary Every week, you'll get insights and commentary on U.S. and global markets delivered right to your inbox.
Planning Update The objective of our update meetings is to assess your progress and take action on any changes that need to be made moving forward. Annually Quarterly
Goals Development We'll work with you to determine what you'd like to achieve, both short-term and long-term.
Net Worth Statement Reviewing your assets and liabilities is not only an essential part of planning, it can also help you to keep track of your progress towards achieving your long-term financial goals.
Cash Flow Planning & Analysis Cash flow management is an integral part of financial planning. By forecasting current and projected cash flow, we will help you to develop a plan of action moving forward, so you'll know exactly where you stand.
Retirement Income Strategies We'll work together on a plan so that you can rest assured that your retirement savings will be able to weather inflation, market volatility, and unexpected expenses.
Social Security Optimization We'll help ensure that you and your family are getting the most out of your Social Security benefits.
Planning Options Choose planning topics from the "Planning Areas of Focus" section below this chart. Select any 2 planning topics Unlimited planning topics
"What If" Scenarios We'll help you better manage both the certainties and uncertainties of your financial future. For example, you'll be better prepared to answer questions such as, “What if I wanted to retire early or purchase a vacation home?”
Interactive Planning We'll collaborate with you in real-time to help you better visualize the impact the financial decisions you make today will have on your future security.
Coordination with Allied Professionals We'll work with your trusted advisors—accountants, insurance agents, attorneys, etc.—to ensure everyone is aligned with your plan.

The above chart is intended to highlight the differences between our planning and advice solutions
and is not intended to be an all-inclusive list.


Planning Areas of Focus

Cash Flow
Assess your income and expenses to determine if they can support your current lifestyle and your future goals.

Long Term Care Insurance
Remove the burden of your family having to care for you if health insurance, Medicare, or Medicaid won't.

Charitable Giving
Link your philanthropic activities with your broader financial planning initiatives so that giving is more impactful.

Major Purchases
Take a big picture approach to large purchases—such as a car, home, or business—to ensure they don't compromise your future goals and ambitions.

Disability Insurance
Get a financial lifeline to protect the things you can't afford to lose should you become unable to work.

Medicare Insurance
Navigate through the Medicare maze so that you can avoid any unexpected or excessive costs that can impact your retirement.

Distribution Strategies
Position your assets—those from which you expect to create a vital stream of income of during retirement—to ensure you don’t outlive them.

Get the clarity and guidance you need to enjoy a comfortable and stress-free retirement.

Evaluate and execute on the best options to pay for college and related higher education expenses.


Social Security
Understand your benefits and create strategies to maximize these benefits and traverse the complexities of Social Security.

Employee Benefits
Make certain you’re getting the most of the benefits your employer offers.


Tax-Optimized Investing
Maximize the after-tax return you receive on your investments.

Estate Planning
Maximize the value and minimize the cost of your estate, and ensure your assets are smoothly transferred to your heirs.

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Tax Planning
Keep more of your hard-earned money by ensuring the elements of your financial plan are working in the most tax-efficient manner possible.

Executive Compensation Planning
Reap the benefits of what you've worked hard for by letting us guide you through various complex income sources including stock options, deferred compensation and more.

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Trust Integration
 Trust integration can plan play an integral part in your estate planning strategy during your lifetime and in perpetuity.


Life Insurance
Have full peace of mind that the people you care about most can continue their lifestyle without your support.