Retirement Planning Services
A disciplined and holistic approach to retirement planning that delivers
on the promise of your vision of the future.
“Will I have to work until I die?”
No, you won’t have to work until you die. Despite the unpredictable nature of the economy, it is possible to have a robust and resilient portfolio that can provide for you and your loved ones when you retire.
F5 Financial’s data-driven, factor-based, structured approach to retirement planning does more than provide you with an adequate income stream—we build you a nest egg that offers financial freedom, peace of mind, and a chance to finally live the life of significance you have always dreamed of. Our comprehensive approach to retirement planning considers:
- Your goals
- Cash flow planning and budgeting
- Forward cash flow projections
- Investment management and monitoring
- Tax planning and tax reduction strategies
- Insurance and risk management
- Estate planning and wealth transfer
- Wealth preservation and savings analyses
F5 Financial’s Retirement Planning Process
Goal Planning
Our initial meeting will center around what your goals are for retirement. We want to know what your ideal is for your golden years—travel? Philanthropy? Debt free? All of the above? Your vision will help us put the pieces in place to get you there.
Cash Flow Planning and Analysis
We assess your current and anticipated income, and then model what needs to happen from a budgetary and growth standpoint to meet your retirement goals.
Investments
We assess your investments and then optimize them for the sustained growth needed to meet your goals. We leverage a disciplined, factor-based, data-driven approach that doesn’t attempt to outsmart the market, but instead capitalizes on its predictable behaviors.
Financial Projections & Quarterly Reports
We produce financial projections for your retirement portfolio and deliver quarterly reports that show how you’re tracking toward your retirement goals.
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Services Included in F5 Financial’s Retirement Planning
Tax Planning and Tax Reduction Strategy
F5 Financial will structure your portfolio to ensure tax savings are maximized. We will implement opportunities for tax savings and find ways to free up cash that can be reinvested or reduce debt.
Our tax planning will also seek to reduce estate taxes, which can have a large impact on the total value of your assets if not properly mitigated.
Investment Management and Monitoring
F5 Financial employs a structured approach to investment management. Instead of trying to outsmart the market, we use data based on the various dimensions of the market to strategize how your portfolio needs to be invested. Our management of your retirement portfolio keeps your goals as top priority.
Insurance and Risk Management
Insurance is an important component to planning your retirement. We will assess how your goals need to be supported through holding life insurance, health insurance, disability insurance or long-term care insurance policies. We will then assist with obtaining the proper policies to protect you and your family. We are a fee-only firm and receive NO commissions for any solutions that we recommend.
Estate Planning & Wealth Preservation
When we know what you want your legacy to be, our retirement planning process will ensure your estate guarantees that legacy. Our estate planning services will focus on minimizing estate taxes and preserving the value of your assets.
Cash Flow Planning and Budgeting
Saving for the retirement you want only works if there is disciplined planning and budgeting. We will review your current and anticipated cash flow and debt, then create a budget that ensures sustained growth for retirement.
Retirement Planning FAQ
Generally, F5 Financial is ideal for families who have a minimum of $500,000.00 in investable assets.
We meet with families on a quarterly basis. Most families elect to meet virtually over Zoom. However, we are always available to meet in person as well.
We have five offices:
Naperville Downtown, located at:
29 South Webster Street,
Suite 350B
Naperville, IL 60540
Venice, FL, located at:
871 Venetia Bay Blvd.,
Suite 234
Venice, FL 34285
McDonough, GA, located at:
70 Macon Street
McDonough, GA 30253
Information on the performance of your investments is accessible on-demand via a tool called Advyzon, which is available through your computer or an app. We also provide quarterly investment performance reports of your portfolio. These reports contain details on what investments were added or altered and the impact of each change.
Financial planning reports and projections are also available on demand through our Personal Wealth Manager tool, powered by eMoney Advisor. It’s accessible from your computer.
Quarterly, we provide a single-page action plan and financial projections that detail completed tasks, tasks in progress, and outcomes.
You can access your investment reports at any time using the tool Advyzon, which is accessible via computer or an app.
F5 Financial is a fee-only fiduciary, which means we receive a flat fee as compensation for our services. We receive no commission or incentive for how we invest your portfolio, thus we have no conflicts of interest as a financial steward. See our fees page for specifics on our fee structure.
Being a fee-only financial advisor allows for maximum transparency on our investment process, and you will never encounter hidden fees when you work with us.
Curt Stowers, the Founder of F5 Financial, is a Certified Financial Planner. He is a graduate from the University of Illinois where he earned a BS, MS and PhD in Industrial Engineering.
Josh Duncan, Partner and Financial Planner with F5 Financial, is a Certified Financial Planner. He earned his BS in Computer Science from Eastern Illinois University and holds an MBA from Capella University.
We typically work with individuals or couples in the 35-years-old to 60-years-old age range, but we are open to working with all ages. Please contact us for answers on your specific situation.
You can set-up a consultation at this page here.
