Maybe you’re fresh to financial planning, if so, great, just skip to the next section. But if you already have had some experience with a financial advisor, let us take a guess at how it went. You went in looking for solutions to your financial life, the advisor plugged some numbers into a calculator, ran an “analysis”, and gave you a result based on the all elusive “Monte Carlo Analysis”. Maybe it looked good, maybe it didn’t. The problem is, no matter what it was it didn’t provide any inherent clarity or value for your life. So you left more confused leaving than when you walked in. The issue is Monte Carlo is inherently broken. If you ran it in April of 2020, it would have looked terrible and your retirement was doomed. If you ran it 6 months later, it may have looked great. But the real lesson here is that no matter what it shows, there is very little tangibility you can actually take from it. You either end up living in fear chasing the arbitrary “probability” based off this simulation and as a result underspend in your better years (leading to what we call the regret zone later in your life), or run your portfolio into the ground spending too much when you shouldn’t because your “probability looked good”. Only if there was a better way…

A straight-forward retirement income “paycheck”, clear guardrails around when to adjust, and flexibility built in to handle any market environment. And thats just the beginning…

Welcome to The Factor System (well, a tiny peak at it). At Factor Financial, we do things a little differently. We help tailor a strategy unique to you using science backed frameworks to maximize your retirement income, while simultaneously ensuring that your nest egg is always there to take care of you throughout your life— no matter how long that may be. We do this by implementing a combination of a guardrail strategy and retirement smile spending approach. The result? A sustainable, reliable tax-efficient income stream to fund your ideal lifestyle for the long haul, no matter what life throughs your way. After we set the foundation for your income plan, we then begin to add the many other factors that goes into any good retirement plan for you, starting with proactive tax planning. You can learn more about that here.