The Retirement Fingerprint® Process

Designed to help get you to and through retirement…

YOUR DREAMS MATTER

At BML Wealth Management, we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments and insurance products and services, designed to help you address your financial needs and concerns.

The Retirement Fingerprint® Process

Retirement Fingerprint® is a customized written plan designed to help get you to and through retirement by focusing on five key areas of your financial life.

Income Planning

Our goal is to help ensure your expenses can be paid with predictability for the rest of your life. This typically includes:

  • Income & Expense Analysis
  • Spending Strategy & Withdrawal Order
  • Social Security Maximization
  • Pension Maximization
  • Inflation Planning
  • Spousal Planning

Your “BML Way” custom investment plan is tailored to meet your retirement goals. This typically includes:

  • Risk Analysis & Alignment
  • Diversification & Simplification
  • Professional Management
  • Rebalancing
  • Behavioral Coaching
  • Cost-Effective Funds

In collaboration with qualified tax professionals your plan incorporates tax reduction strategies. This typically includes:

  • Required Minimum Distribution (RMD) Planning
  • Roth Conversion Analysis
  • Tax-Deferral
  • Charitable Giving
  • Estate Tax Planning

Whether self-insuring or leveraging with insurance, your plan protects against rising healthcare costs. This typically includes:

  • Medicare
  • Health Insurance Gap Planning (Before Age 65)
  • Long-Term Care
  • Life Insurance Policy Review
  • Disability Insurance Policy Review
  • Annuity Policy Review

In collaboration with qualified Estate Planning Attorney’s, your plan ensures your assets go to your beneficiaries in the most efficient manner. This typically includes:

  • Drafting/Updating Living Trust
  • Funding Your Trust
  • Titling of Accounts
  • Beneficiary Designations
  • Establishing Trusted Contacts
  • Efficient Wealth Transfer
The Retirement Fingerprint
Retirement Fingerprint Services Chart

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