How We Work
One path. It starts the same way for everyone, with a diagnosis.
"Returns matter. But they might not be where most of the money goes."
Most firms hand you a menu of services and let you sort yourself. We don't. There is one path. It begins with a no-cost diagnosis and, from there, is sized to your situation, not to a price list. The first conversation exists to answer one question: can the planning work materially improve your position? If it can't, we say so.
Start with the Diagnostic.
No cost. No obligation. The first conversation we have with nearly every prospect.
Retirement Tax Diagnostic™
Your projected Lifetime Tax Bill, your number, calculated from your situation rather than a general illustration. It starts with a 20-minute conversation to gather the details. We build the Diagnostic, then walk through it with you in a 30-minute review, naming the largest pressure points and deciding together whether planning can move them.
Get Your Lifetime Tax Bill →The Retirement Map™
Not ready for a conversation? The Retirement Map is a no-cost, two-page picture of where your retirement tax pressure points fall: the forced-income years, the IRMAA window, the years you control and the years the IRS forces your hand. It orients. It does not resolve a decision, and it points to the Diagnostic.
See the Retirement Map →One planning engagement, then, if it fits, an ongoing relationship.
The Diagnostic sorts. From there the path is the same for everyone who engages us. It is not a menu.
Retirement ℞ Plan™
The one planning engagement, and the required step before any ongoing relationship. Comprehensive work across income, taxes, investments, healthcare, and legacy. Every recommendation is modeled against your actual numbers and reviewed independently by a CPA before it reaches you. Delivered as a short written action plan you keep.
Learn more →Become a Client
For households that want the plan implemented and maintained, not just written. Ongoing advisory management at Schwab, annual revisits, and bracket and IRMAA monitoring each year as life and tax law change. A separate decision, made after the plan is in hand, never before.
Learn more →The process, end to end.
From first call to delivered plan.
Tax Diagnostic
A 20-minute conversation to gather your details, then a 30-minute review of your projected Lifetime Tax Bill and its major pressure points. No cost, no obligation.
Sort
Together we decide whether we believe the planning work can materially improve your situation. If it can't, we say so.
The Retirement ℞ Plan
The planning engagement. Comprehensive, CPA-reviewed, summarized in a short action plan you keep. The required step before an ongoing relationship.
Implement and revisit
For clients who continue, decisions are implemented and results reviewed annually, or as life and tax law change.
Who this is for
We're in the sorting business. Not every household is a fit, and the job of a first conversation is to figure out whether we can materially help.
A fit
High-earning W-2 professionals approaching or in retirement. Business owners planning an exit. Widows and widowers reconsidering an existing plan. People who've been told they should look at Roth conversions and want a year-by-year plan they can verify.
Not a fit
Households earlier in the wealth-building phase where investing for growth is the right primary focus. People looking for the lowest possible fee on the largest possible portfolio. People looking for stock picks, market timing, or alternative investments. Households where tax planning isn't material to the outcome.
Start with the Diagnostic.
Every path starts the same way. A 20-minute conversation, then a 30-minute walk through your projected Lifetime Tax Bill. No cost. No obligation.
Get Your Lifetime Tax Bill →
Investment advisory services offered through Creative One Wealth, LLC a Registered Investment Advisor. Creative One Wealth, LLC and Red Mountain Financial are unaffiliated entities.
We do not provide tax or legal advice. Always consult with qualified tax/legal advisors regarding your own unique circumstances.
Licensed Insurance Professional. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. By contacting us, downloading booklets, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs. The presenters of this information are not associated with, or endorsed by, the Social Security Administration or any other government agency.
Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.
ARE-14063 | 22993
Talbot & Talbot, Inc. D/B/A Red Mountain Financial | 4000 Eagle Point Corporate Dr., Birmingham, AL 35242 | P.O. Box 383033, Birmingham, AL 35238
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