The Rivertree System

You need more than a plan. You need a system.

1. Your "Why"

If you don't know why you are trying to invest well, save on taxes, or increase your income, you will never "succeed".

We believe that everything we do should be done with intention and identifying your purpose is where we start.

2. Income Planning

The scariest part of retirement is having to replace your income. You begin to wonder... Where is my income going to come from? When should I begin Social Security? Which accounts should I pull from first?

We help create your retirement income timeline and income buckets.

3. Investments

After we know when you need income and where that income is going to come from, we can begin building out your investment plan.

We don't follow rules of thumb or stick you in standard retirement portfolios. You get an investment plan tailored to your specific needs.

4. Tax Planning

Taxes will likely be any retiree's largest expense. Because of this, we pay great attention to lowering your tax bill throughout the rest of your life. Roth conversions play a big role in reducing the ticking tax bomb that many retirees face.

5. Estate Planning

Estate planning is rarely at the top of anyone's to-do list, but we know how important it is to have a good estate plan. We help guide you in your decisions and partner with trusted attorneys to craft your unique estate plan.

Our simple, yet powerful process.

Here's what you can expect.

1. Intro Call

The first step in our process is to get to know each other through a 30-minute Intro Call. This is your chance to share your questions and concerns with us to see if we are a good fit to help provide solutions.

2. Get Started

Once we decide to get started, we begin the onboarding phase. We will gather all relevant documents and information to begin building out your plan. This is also when you complete your Purpose Finder Quiz because we want to get to know the "real you".

3. Planning Session

Next, we take a deeper dive into the numbers and begin building out your intial plan. This Session is when we get into the weeds of your situation and leave no stone unturned.

4. Plan Creation

Now it's time for our team to get to work building your plan. We take 7-10 days to analyze your data and determine the best plan for you moving forward. We prepare our One-Page Plan which identifies the primary items that need to be addressed.

5. Plan Implementation

Next, we review the plan together, make a few tweaks, and begin implementing. We take care of the heavy lifting for you to ensure everything gets done correctly and in a timely manner.

6. Ongoing Service

A plan is only as good as its execution. That's why we place great priority on the ongoing monitoring and updating of your plan. After the intial implementation, we move into our ongoing sequence of Spring and Fall planning meetings with quick check ins in-between.

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FAQs

Answers to our most commonly asked questions.

Are you a Fiduciary?

Yes. We are fiduciaries 100% of the time and do not receive commissions for selling investment products.

Who does Rivertree work best with?

We work best with people age 50+ who have $1 million (or more) of assets saved for retirement.

Besides that, we only work with nice people.

What services do you offer?

At Rivertree, we believe that a plan is only valuable if it is comprehensive. Because of this, we offer the following services:
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- Investment Management
- Tax Planning
- Income Planning
- Social Security Optimization
- Estate Review

Are you a CFP®?

Yes. Our advisors are CFP® Professionals or are in the process of attaining the CFP® designation.

Do you offer tax planning?

Yes. Tax planning is a crucial part of any retirement plan. We evaluate and plan for things like:

- Roth conversions
- Tax-loss harvesting
- Tax-gain harvesting
- Lowering Social Security taxes
- Avoiding IRMAA

Where are my assets held?

We use Charles Schwab as the primary custodian for all Client accounts.

It is important to have a trusted, 3rd-party custodian that is responsible for the safe-keeping of your life savings.

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