Fee-Only Financial Advisor Rhode Island – Eliot Rose Wealth Management

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WORRY LESS. RETIRE MORE.

Retirement planning shouldn’t feel overwhelming.

Step 1:
Meet and Greet

Are we right for each other?
Are we a good match?

Step 2:
Retirement Planning

We answer your big question...
"Are we going to be okay?"

Step 3:
Paycheck Replacement

Your portfolio is now tied to your living expenses, not your paycheck.

Step 4:
Ongoing Adjustments

Retirement isn't static, and
neither is your plan.

FAQ

Step 1: Schedule a Meet & Greet

Financial planning is an ongoing process, not a multi-page report.

Like the sound of this process?
Let's schedule a meet and greet.

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Step 1:

Meet & Greet

Let’s keep it simple. We’ll begin with a 30-minute hello meeting so we can meet one another and see if we’re a good match. No stress. No pressure. It’s everyone’s opportunity to get to know one another.

If we are a match, we can discuss next steps. If not, we’ll gladly refer you to other trusted advisors.

Step 2:

Retirement Planning

We spend a lot of time in this step. After all, you only retire once.

What do you expect retirement to look like? What do you hope retirement looks like? What keeps you up at night? How do you plan to stay connected?

Retirement spans roughly 8,000 days. Not all of it is going to look and feel the same. Our commitment is to be there alongside you, navigating through each phase, crafting a plan that’s as enduring and adaptable as your future requires.

Step 3:

Paycheck Replacement

In retirement, your portfolio transitions from growth to support — it becomes the engine for your lifestyle, designed to serve you for 30 years or more. It’s less about maximizing wealth and more about providing a steady, dependable income.

We carefully structure part of your portfolio to deliver a consistent ‘paycheck,’ easing concerns about market fluctuations. The rest is strategically managed to ensure longevity, so you can rest easy knowing your finances are prepared for the long term.

Step 4:

Ongoing Adjustments

Despite the public perception, more than half of people end retirement with more money than they began. This is just as much a failure as running out.

We establish ‘guardrails’ to guide your spending, informing you when you can indulge and when it’s wise to be more frugal. With us, you’ll enjoy the balance of living fully while spending confidently.

All new relationships begin with our financial planning engagement. We believe sound financial advice can only be provided after a deep understanding of your life.

Our financial planning process will include many meetings, each addressing a specific topic. Our meetings will generally follow the schedule below.

Meeting 1 (45 minutes)

Discovery

We will ask questions (lots of them!) to understand where you are today and where you want to go tomorrow. The information we gather will serve as the foundation of your plan.

Meeting 2 (45 to 60 minutes)

Asset Map & Retirement Goals

We will create your Asset Map. An Asset Map is a visual representation of your financial life on one single page. We will also break up your goals into Needs, Wants, and Wishes.

Meeting 3 (45 minutes)

The Big Reveal

This is where your financial plan starts to come to life! In this meeting, we answer the question: “Are we going to be okay?” We will show the current success of your plan, walk-through optimization strategies, and understand the decisions that create the biggest impact.

Meeting 4 (45 minutes)

Retirement Stress Test & Estate Planning

Life has many twists and turns. The goal is to have a general plan to protect against these “what-ifs.” It doesn’t need to be perfect – we will refine this as retirement unfolds.

Meeting 5 (45 minutes)

Retirement Funding & “Best Portfolio”

Now that you have a successful plan in place, we want to strengthen it. Our goal is to align your portfolio with your goals and risk profile. There is a lot to unpack here, feel free to ask as many questions as needed!

Meeting 6 (30 minutes)

Checking In

We covered a lot up until this point. We will review our prior discussions and revisit our recommendations. If anything is still unclear, we want to walk through it. Our goal is to provide an education, not a booklet.

Meeting 7 (30 to 45 minutes)

Logistics

We hope you feel good about the progress you have made so far! We will bring in Kris Sao Bento, our Client Services Director, to discuss logistics and how we work with clients on an ongoing basis.
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Social Security” is the term used for the Old-Age, Survivors, and Disability Insurance (OASDI) program in the United States. It’s run by the Social Security Administration (SSA), a federal agency. It’s best known for retirement benefits, but it also provides survivor benefits and income for workers who become disabled. Read more…

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The Sustainable Spending Analyzer (SSA) is a next generation, 360-degree approach to retirement planning. It’s a refreshingly straight-forward tool that turns confusing charts and graphs into answers about the most important decisions related to your retirement.

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This assures there are no hidden commissions or secret referral fees. We believe this is the only type of advisor who can truly provide unbiased and objective financial advice.