With our proprietary 5-Step Retirement Readiness Process, JEHM Wealth helps our clients pursue a retirement that reflects their unique goals and dreams.

Now, more than ever, individuals are tired of financial advisors who aren’t 100% focused on their goals.

JEHM Wealth & Retirement has a fiduciary responsibility to always place our clients’ interests ahead of our own.

We deliver sophisticated portfolio management, insurance services, personal relationships and holistic financial planning.

retirement-readiness-process

Analysis:

  • Income Maximization Analysis
  • SSI Analysis
  • Pension Analysis
  • Current Portfolio Analysis
    • Level of Market Risk
    • Diversification
    • Fees
  • Risk Tolerance
  • Risk Capacity
  • Tax Return Diagnosis (Voluntary vs Mandatory)
  • Existing Life Insurance Policy Review
  • Existing Annuity Policy Review
  • Beneficiary Review
  • Personal Financial Website Access

Analysis Results:

  • Identify sources of income: Pension, SSI, Savings/Investments
  • Identify Income Gap
  • Identify savings rate/growth rate needed for desired lifestyle
  • Identify risks/challenges needing mitigation for reasonable odds of success
    • Longevity, Market Risk, Fees, LTC/Medical Expense, Taxes, Inflation, Legacy

Strategy: 

  • Develop strategies based on desired goals & priorities that efficiently manage identified risks/challenges
  • Present recommended strategies; and potential alternative strategies as necessary
    • Education of benefits & considerations
  • Discuss and agree upon a plan
  • Provide report of analysis and recommended strategies

Implementation:

  • Present written plan
  • Complete necessary paperwork to put plan into action
portfolio-priorities

Current Portfolio Analysis:

  • Level of Market Risk
  • Diversification
  • Fees
  • Risk Tolerance
  • Risk Capacity
  • Personal Financial Website Access

Strategy: 

  • Develop strategies based on desired goals & priorities that efficiently manage identified risks/challenges
  • Present recommended strategies; and potential alternative strategies as necessary
    • Education of benefits & considerations
  • Discuss and agree upon a plan of action
  • Provide report of analysis and recommended strategies

Implementation:

Complete necessary paperwork to put plan into action

simply-a-strategy

Strategy Research & Recommendations for A Specific Area of Interest

    • Investment Account Management/Monitoring
    • Annuities
    • Life Insurance
    • LTC
    • Tax Efficiency Strategies
    • Legacy Strategies
    • Personal Financial Website Access

Strategy: 

  • Develop strategies based on desired goals & priorities that efficiently manage identified risks/challenges
  • Present recommended strategies; and potential alternative strategies as necessary
    • Education of benefits & considerations
  • Discuss and agree upon a plan of action
  • Provide report of recommended strategies

Implementation:

Complete necessary paperwork to put strategy into action

jehm-happy-couple

“The best way to measure your investing success is not by whether you’re beating the market, but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go.”

Benjamin Graham

Ready to take THE Next STEP?

For more information about any of our products and services, schedule a visit today.

Or give us a call at 864.527.0482