OUR
APPROACH
Our Approach
In a sea of financial advisors with seemingly the same focus on inputs – current age, your income, savings rates, investment models, taxes, assumed investment returns and life expectancy – we pride ourselves on Thinking Backwards.
What does this mean?
Planning from A to Z is often driven by a series of assumptions. What age do you assume will you retire? When should we assume you’ll kick the bucket? What is your inflation assumption? What investment return do you want to assume? What savings rate should we assume? It is no surprise then that assumption driven planning can leave one wildly short of their goals. Just one or two assumptions being far off can leave you long on life and short on money!
Thinking Backwards – reverse planning – from Z to A is more destination driven and the approach we use. While there are still uncertainties, we are pragmatic, behavior driven and conservative. It demands that we start with your desired and reasonable outcomes and then build a plan with the goal of arriving on time and not short of money. Long term planning is already uncertain, so our focus is on controllable behavioral certainties and not on the uncertainty of “average” assumptions. Instead of assuming an 8% for 40 years (which will never happen), we plug in 100 years of real numbers and let it play out. The same holds true for other key assumptions such as life expectancy, asset allocation and inflation. And we will always coach you to save, manage your lifestyle and invest well. Think of us as both a financial advisor and a behavioral advisor to deliver the kind of holistic financial coaching that can guide, nudge, push and encourage you on your way to your desired outcomes.
As President of Retirement Strategies Group, Inc., Richard is responsible for leading the company’s Retirement Made Simple mission to help each and every client work toward lifestyle and income security during their retirement years as well as helping companies design, develop and implement state-of-the-art retirement and executive benefits programs. Richard brings over 20 years of experience in the financial services industry with an extensive background in sales management, supervision, accounting, financial planning and financial operations.
M. Felicia Corbett, with over 18 years experience in the financial services industry, affiliated with Retirement Strategies Group in May 2014. Felicia thoroughly enjoys analyzing and understanding the big picture to be sure all aspects of a clients’ financial life are coordinated effectively – estate and income tax reduction, retirement income analysis, asset preservation, investment allocation, wealth transfer and risk management. She specializes in designing prudent strategies designed to help manage clients’ income tax liability, preserve their retirement income, cultivate and protect their assets, and structure their estates to successfully retain wealth within the family through multiple generations
Jackie, a financial veteran with over 10 years of experience, affiliated with Retirement Strategies Group in 2006 and is a skilled practioner in both individual and corporate retirement planning. Jackie, who is a CFP and MSBA, is also the Founder & President of Guide My Finances (www.guidemyfinances.com). Whether working with an individual or a corporation, she takes the time to educate her clients and their employees on the components of the strategy and the big picture benefits that keep her clients engaged with their financial vision. A former college professor in San Diego, Mazur stays on top of new financial solutions and trends, continuing to offer guidance to new generations of financial advisors. Her licenses include FINRA Series 6,7, 63 as well as Life, Health and Long Term Care Insurance (CA Insurance License #0E49845). She also utilizes her vast network of finance related professionals to enhance her instruction and her service to clients.
As President of Drabek Financial, Tom brings 28 years of experience for the benefit of his individual and corporate clients. With an expertise in the design, development and implementation of both individual and business financial plans, often with an integration of the two to maximize tax deductions, tax-deferred accumulation and asset protection, Tom takes great pride and enjoyment in his clients achievement of their lifetime goals. Working in conjunction with CPAs, business lawyers and tax lawyers, Tom makes the complex simple for his clients allowing them to focus on what they do best, which is running their businesses or building their careers while Tom and his team take care of the long-term financial and retirement planning with a watchful eye on financial risk management.
As a Managing Director of Retirement Strategies Group, Inc., Rosalind brings 25 years of experience as a financial advisor to her clients and believes passionately in the Retirement Made Simple mission. Roz (as she likes to be called) helps each and every client in knowing themselves, knowing their desired outcomes with money and then creating a plan to work toward the goal of lifestyle and income security during their retirement years.
Certified Financial Planner and Vice President of Guide My Finances, Jenny advises clients in areas of financial planning including personal financial planning, employer provided benefits, asset management, inheritance and gift planning, and risk management. Additionally, as a Certified Divorce Financial Analyst™, she works with individuals, family law attorneys, and mediators on financial matters related to divorce. This includes structuring financial settlements, analyzing and recommending division of property, and counseling the client regarding financial issues post-divorce.
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