Meeting 01: The Discovery Conversation (60-90 min)
We start by listening. What does retirement actually look like for you? Travel? A second career? Time with grandkids? We also look at the numbers: your current assets, income needs, and existing accounts. By the end of this meeting, we'll both know if there's a fit for us to work together.
Meeting 02: Building the Retirement Vision (60-90 min)
We dig deeper into your goals and start modeling different retirement scenarios. We test your assumptions about spending, inflation, and longevity to see what's realistic. We also start the process of organizing your accounts to see everything in one place.
Meeting 03: Income & Social Security Strategy (60 min)
This is where we solve the "paycheck" puzzle. We model different Social Security claiming strategies (for you and your spouse) to maximize your lifetime benefit. We determine which accounts to pull from first to minimize taxes over the long term.
Meeting 04: The Investment Guardrails (60 min)
We design your investment portfolio specifically to support your income needs. We set clear "guardrails"—ranges for your investments that let you know when to rebalance and when you're on track. We also address risk: how much volatility can your plan actually handle?
Meeting 05: Tax & Medicare Coordination (60 min)
We coordinate your plan with your tax situation. This includes looking for Roth conversion opportunities and planning for Medicare enrollment. We also look at IRMAA (Medicare surcharges) to make sure you're not paying more for healthcare than necessary.
Meeting 06: Estate & Family Legacy (60 min)
We review your estate plan so your assets go where you want them to, with as little friction as possible. We also discuss family coordination: does your spouse or your children know who to call and where everything is?
Meeting 07: Insurance & Risk Review (60 min)
We review your life, long-term care, and liability insurance to confirm you're protected. We don't sell products for commission unless they are truly necessary for your plan, and we'll tell you upfront if they are.
Meeting 08: The Coordinated Implementation (60 min)
A dedicated session to confirm that everything we've covered fits together and to address any lingering questions or concerns as retirement approaches.
Meeting 09: The Retirement Transition (60 min)
Helping navigate a smooth transition immediately following retirement: emotional adjustment, cash-flow experience, and the new questions that arise only after retiring.
Meeting 10: Portfolio Guardrails & Spending Strategy (30 min)
We establish actionable guardrails for your financial future: clear, specific thresholds (e.g., "your lifestyle is safe unless your portfolio drops below $X million") that act as early warning systems and let you make minor adjustments before major problems develop.
The outcome: a retirement experience characterized by confidence rather than constant worry about market movements.
What this looks like over a 20-year relationship
Most of our clients have been with us for 10–25 years. The relationship usually starts before retirement, and grows to include adult children, grandchildren, and aging parents. That's the multigenerational stewardship that defines MPM.