Retirement isn’t a single decision. It’s a series of carefully timed moves, thoughtful adjustments, and proactive strategies.

In The Peace of Mind Pathway™: Your Roadmap , we laid the foundation. We got to know your goals. We clarified your income needs, investments, taxes, and healthcare decisions. Now, it’s time to bring that plan to life—with care, clarity, and coordination.

That’s where Implementation, the second phase of our Peace of Mind Pathway™, comes in.

From Paper to Action

After the planning work in the Peace of Mind Roadmap™ phase—including your Introduction, Planning, and Strategy meetings—you now have a complete financial plan built around your goals.

Phase 2 is where that plan comes to life.

Implementation means more than just opening accounts or shifting investments. It means putting strategies into action: transitioning accounts, adjusting investments, initiating estate planning, coordinating tax strategy, and handling key retirement decisions like Medicare or long-term care. It’s the moment when your plan starts actively working for you.

We serve as your single point of contact through it all—keeping everything aligned, simplified, and fully coordinated.

What Happens During Implementation?

Implementation looks a little different for everyone, but this phase includes:

• Transferring assets to your new custodian
• Applying your personalized retirement income strategy
• Executing your investment bucket strategy for retirees
• Initiating or updating estate planning (as needed)
• Launching your retirement tax strategy
• Navigating Medicare and retirement health coverage
• Exploring long-term care planning needs

Every part of this phase is implemented with clarity and care.

Transferring Your Assets

Once you decide to move forward, we begin by transitioning your assets into your new accounts. This includes:

• Opening IRAs, Roth IRAs, and brokerage accounts as needed
• Signing transfer paperwork
• Moving investments “in-kind” (without selling them during the transfer)

We know this is a big decision, one we do not take lightly. We monitor and communicate every step of the process to help you feel confident and informed.

Common Question: Will I Miss Market Gains During the Transfer?

No. With in-kind transfers, your investments move as-is, so you stay fully invested and there is no disruption to your exposure in the market.

Activating Your Investment Strategy

With assets in place, we can see your full financial picture in real time and begin fine-tune and apply your investment plan using the bucket strategy discussed during the Peace of Mind Roadmap™ phase:

1. Cash Bucket – For near-term spending and emergency reserves
2. Safety & Income Bucket – Structured for reliable, predictable income and reduced risk
3. Growth Bucket – For long-term growth and inflation protection

This structure is designed to bring clarity and calm, by aligning your portfolio with your risk tolerance, income needs, and long-term goals— ensuring a steady stream of income, even in volatile markets.

Estate Planning (Simplified & Included)

If you don’t already have an estate plan in place, this becomes one of the top priorities in the implementation phase. Your Peace of Mind Pathway™ includes guidance on:

• Wills
• Powers of Attorney
• Health care directives
• Revocable living trusts (when appropriate)

Even better, your estate plan is flexible. If you make changes down the road, you’re not penalized. Updates are easy, quick, and all included as part of your relationship with us.

Retirement Tax Strategy: From Talk to Action

Taxes can be one of the biggest expenses in retirement, and retirement tax planning is not something to be ignored or delayed. Implementation starts a proactive approach by:

• Analyzing your current and projected tax brackets
• Developing multi-year tax strategies to reduce lifetime tax burden

This isn’t just a one-time meeting. Tax strategy includes year-round support from our in-house tax strategist, Taylor Wolverton, CFP®, Enrolled Agent. She helps you with:

• Roth conversion planning
• Withholding optimization (to avoid April 15 surprises)
• Charitable giving strategies, including:
  • Qualified Charitable Distributions (QCDs)
  • Donor-Advised Funds (DAFs)

Tax strategy is ongoing, flexible, and customized to your evolving needs.

Frank and Lily came to us unsure if a Roth conversion was worth it. Five years later, their strategy reduced their lifetime tax burden by over $300,000—all from a series of quiet, confident moves that started in Implementation.

Medicare & Healthcare Coordination

Healthcare decisions matter—for both your well-being and your wallet in retirement. Whether you’re retiring before 65 or approaching Medicare eligibility, finding healthcare plan that fits your timeline and budget comes into focus in the Implementation phase.

We connect you with our in-house Healthcare Professional specializing in Medicare, Shawn Southard, who offers:

• Medicare Parts A, B, C, and D guidance
• Help choosing between Supplement and Advantage plans
• Private insurance strategies before age 65

These are important decisions. We make sure you don’t navigate them alone.

Long-Term Care Planning

We take a realistic, balanced approach to long-term care planning. For many, this is one of the biggest unknowns in retirement.

Fortunately, options have improved significantly in recent years:

• Hybrid policies with better benefits
• More affordable premiums
• Flexible coverage for different levels of care

Implementation includes a thoughtful discussion about whether insurance is necessary and how much coverage fits your needs.

How Long Does Implementation Take?

Implementation is a deliberate process. It doesn’t happen overnight—and that’s by design. This means taking small, intentional steps to ensure clarity, comfort, and confidence. Every situation is different, but here’s a general timeline to help set expectations:

• Day 1–10: Asset transfer begins
• Day 30–45: Investment strategy finalized and deployed
• Months 2–6: Address estate planning and tax strategy
• Months 6–12: Dive deeper into healthcare and long-term care planning

This step-by-step process ensures thoughtful decisions at every turn.

Flexibility is Built In

Your plan is never set in stone. Implementation is just the beginning. If your goals change or life throws a curveball, we continue to adapt your Peace of Mind Pathway™ with you.

And remember: everything you see here is included in one transparent fee. You won’t get separate invoices for tax strategy, estate planning, or Medicare coordination. We keep it simple.

What Comes Next?

Implementation is not the end of the journey—it’s the beginning of your retirement lifestyle. Once your plan is in motion, we move into Phase 3: Nurture. This includes monitoring performance, adjusting to life changes, and maintaining regular communication.

Stay tuned for Phase 3: Nurture, where we walk through how we continue supporting you for the years to come. Until then, if you’re curious about what Implementation could look like for you, we offer a complimentary 15-minute call.

Schedule your call and learn how the Peace of Mind Pathway™ can help you move from planning to progress—with confidence.