Phase 1: Purpose

Your voyage up the Lighthouse kicks off with a deep dive into your purpose, expanding on our dialogue from the Discovery Call. We'll unveil tools designed to sharpen your sense of purpose, shed light on your expenses, and revisit your initial financial blueprint.Behind the scenes, our experts will be meticulously refining your strategy. In the coming weeks, we'll arrange discussions to pore over your income, investments, tax considerations, and plans for insurance and estate. With each subject, we'll pinpoint practical steps to maintain your trajectory towards your objectives.

Phase 2: Income

We'll examine your existing path towards retirement and align your portfolio income with additional elements such as Social Security, aiming to uncover areas for enhancement.

Our goal is to craft a strategy that optimizes your income, ensuring a fulfilling retirement. Furthermore, you will receive a forecast of your income for the entire span of your retirement.

Phase 3: Investments

After pinpointing your retirement goals and enhancing your income for that phase, we'll determine the role your investments must play in bolstering your financial security.

We'll develop suggestions informed by our comprehensive data analysis. You'll be presented with the devised strategy and given the chance to seek clarifications. Ensuring you're at ease and fully grasp all aspects before proceeding is paramount to us.

Phase 4: Taxes

Given that taxes may represent your most significant expenditure, crafting an effective tax strategy is crucial for preserving a larger portion of your savings. Our objective is to minimize your current and future tax liabilities as much as we can.

You will receive an analysis outlining potential tax consequences. Based on this, we will offer tailored recommendations to fine-tune your financial plan.

Phase 5: Security

Red Night Capital offers comprehensive support throughout your retirement journey, without any hidden add-ons or extra charges. We'll examine your existing estate plan to verify that it accurately embodies your objectives.

Even the finest plans can falter without the proper safeguards. Therefore, we'll assess your insurance and estate arrangements, providing you with an insurance checklist to ensure you're prepared for any eventuality.

This all-encompassing approach enables us to deliver a higher level of service.

Phase 6: Action

Following the implementation, our commitment to your journey remains steadfast. We will consistently reassess your evolving needs to maximize the value of your hard-earned assets. Monitoring your progress is a key part of our strategy, and with your consent, we'll fine-tune our approach as needed.

Biannual meetings with your advisor in the Spring and Fall, coupled with a mid-year check-in with our team, ensure regular oversight of your financial health. Outside these scheduled sessions, our team is always accessible to you, ready to assist via phone call or email at your convenience.