The Fifth Option

Retirement Solutions for a Modern Economy

SIMPLIFIED. CONFIDENT. INSPIRED.

What Does Confidence Look Like?

Retiring in today's economy is not the same as generations past

Gone are pensions. Gone are 30 year careers. Gone are the mortgage banning parties, and gold watches, and riding off into the sunset.

Today we face modern challenges

We face volatile and changing economic conditions. We face increasing life expectancies. We face an untenable number of financial options and choices.

Simply put, we live in a modern economy that requires modern retirement solutions.

Retirement planning is evolving and we are here to evolve with you.

You deserve a retirement strategy that incorporates the latest thinking. A plan that works in all economic conditions not just perfect ones.

The Same Coin

Personal finance and corporate finance both share the same word finance,

yet they traditionally manifest themselves differently.

Personal Finance

Personal finance focuses on balance sheet strategies.

Corporate Finance

Corporate finance tends to focus on cash flow strategies.

They have evolved into separate fields when they should really be two sides of the same coin.

Personal Finance

Corporate Finance

What is the Difference?

A balance sheet may look good on paper, but it must be converted to cash flow to serve its ultimate purpose. When was the last time you were able to take an account statement to a grocery store and buy groceries? No mater how much money is in your account a statement cannot buy even a gallon of milk.

Our unique approach is a cash flow centric planning process. It is designed with one thing in mind to optimize our cash flow for when you are ready to retire.

Our process is rooted in the latest academic research from the thought leaders in financial planning as well as principles borrowed from the best run corporations. The result is a best practice brings the best attributes of personal financial planning AND corporate planning.