Stated simply, my mission as a retirement specialist is to be of service, to help people achieve an income for life – an income that lasts as long as they live, that always outpaces inflation and is sheltered from the great expenses of nursing home care. I sincerely want all of my clients to enjoy their retirement years to the fullest, whether that means enjoying maximum time with their children and grandchildren, traveling the world or cruising a few times a year, golfing or being free to pursue charitable or artistic endeavors they had put off for years because of work commitments.
If I had to formulate a literal mission statement, it would be based on two of my favorite quotes. The first is from Mahtatma Gandhi, who said, “The best way to find yourself is to lose yourself in the service of others.” I’m always happiest and at my best when I’m in with my clients, discussing strategies to help them achieve their goals. The moment I live for is when I enlighten them to a certain idea I have, or a product or combination of products I think will work for them, and I see their eyes light up and they smile lightly. That’s how I know we’re on the right track.
The second part of my mission statement would be the Biblical quote “To whom much is given, much is expected.” I’m by no means a Bible thumper but that concept speaks loudly to me because at this point in my life, I feel beyond blessed. I wake up in a warm bed next to someone I love. I roll out of bed in the morning onto my knees next to my bulldog whom I love, pray and ask God to allow me to be of service to others while using my talent, and then ask Him to handle the results.
Before heading to the office, I engage in the perfect routine which gets me ready physically, mentally and spiritually for the day. I go and work out (another activity I love) and then meet for coffee with longtime friends who are more like brothers. We don’t just chit chat, we discuss meaningful happenings and revelations in our lives and how we can grow into better men every day. Then I head off to a job I feel blessed by and spend my day with clients that are like family to me. After work, I return home, meditate and enjoy spending time with my girlfriend and bulldog. It all sounds so simple, yet there’s so much to be grateful for. I have been given so much, including a second chance at life and a better one than I could have ever imagined, especially considering where I was just a few short years ago. I am committed to paying it forward in any and every way I possibly can.
In reference specifically to my work with clients, a key part of my specific mission is taking the fear out of retirement planning by working with them closely and being transparent in every way. I believe that if you’re honest, sincere and candid with people, the trust follows naturally, and that trust helps ease the fears they have about their future and their monthly income in retirement. My ultimate aim for every client relationship I have is that I provide peace of mind, so they can sleep without any worry about having enough money to live on and enjoy their lives with. My many years in the financial industry have taught me one essential truth: at the end of the day, all people want is someone who is honest and who genuinely cares.
To those who have not chosen it as a profession, the investment world can seem overwhelming and complex. Understanding this, I found a few important ways to help them understand where they are putting their money so that they can feel confident in my efforts on their behalf. Unlike most advisors, I don’t move money in the first or second appointment. I walk clients steadily through the process of identifying what they need for income, maximizing their income from Social Security, identifying their income gap/shortfall, then introduce the solution to close that gap with guaranteed income for life. I include them in the details of the process every step of the way. In essence, they choose me and then I help them choose the money manager. Over the course of those meetings, the trust, relationship and usually a strong abiding friendship develops.
They understand my team and I am there to preserve and protect their wealth so that they can have a secure and happy retirement. To accomplish this, we utilize tools that are fully insured with a portion of their money in order to ensure that their income gap is closed with an income that will never run out and always keep up with inflation. If you would like an example of one of those tools, download my retirement income gap finder today. This easy-to-use worksheet can help you answer that important question in four steps:
- ESTIMATE your expenses in retirement
- CALCULATE your retirement income gap
- DETERMINE your income sources
- INVENTORY your investment portfolio
We’ll work together to solve your income shortfall.
Stayed tuned for more excerpts from my upcoming book!