Our Financial Planning Philosophy
Your Personalized Path to Financial Confidence
At Waterstone Financial, we believe retirement success isn’t an accident, it’s engineered. That’s why we guide our clients through The Journey: a personalized, precision-driven process designed to simplify decisions, optimize outcomes, and empower your financial future.
Whether you’re preparing for retirement, building wealth, or navigating life transitions, The Journey ensures you’re never walking alone.
The Journey
Our Process
Let’s build a future where you feel confident, informed, and empowered every step of the way. Welcome to The Journey with Waterstone Financial.
Your Life, Engineered for Clarity
1 - Blueprint Session
Your life. Your vision. Our starting point.
We begin by understanding what matters most to you—your values, dreams, concerns, and what success looks like for your family. This deep-dive session creates the foundation for a strategy that’s not just financially sound, but personally meaningful.
Outcomes:
Clarified goals
Complete financial discovery
Personalized vision mapping
2 - Retirement Buildout
Precision planning, engineered for your life.
Using advanced tools and a proven planning framework, we custom design your financial strategy to optimize income, reduce taxes, and protect your legacy.
Outcomes:
Custom retirement income strategy
Tax-advantaged planning
Asset protection design
SIPS-powered plan modeling
3 - Life Stress Test
Putting your plan to work with care and clarity.
We implement your strategy with care and monitor it continuously. Through smart technology and ongoing collaboration, we test your plan against life’s unexpected turns—adjusting as needed to keep you on track.
Outcomes:
Ongoing plan monitoring
Real-time scenario testing
Personalized relationship support
In order to kickstart the process of your Journey, we like to start with the big questions. Here is a list of topics that we will review together:
Are You Approaching a Fiscal Cliff?
Even when the term typically refers to national policies, in your personal financial “Journey”, a fiscal cliff can mean the sudden risk of falling off a spending path that your savings can’t sustain. It occurs when unexpected expenses, under-saving scenarios, or income gaps emerge, threatening your financial balance.
At Waterstone, our structured income planning and Bucket Strategy act like stabilizers on the deck, helping you stay anchored and afloat, avoiding cliffs altogether.
Have you accounted for Inflation?
Inflation erodes your purchasing power over time. What seems affordable today might cost much more in 10 or 20 years. In your Journey, inflation isn’t an afterthought; it’s a core design element.
We proactively layer your investments, especially within the Long-Term Bucket, to grow your wealth in ways that stay ahead of rising costs, preserving your lifestyle and your plan’s integrity across decades.
What about the long term?
Thanks to medical advances, many retirees now live well into their 90s or beyond. A 65-year-old today has a high probability of living 20–30 more years.
Your Journey is built with this in mind. By combining strategic withdrawal planning, efficient asset placement, and the Bucket Strategy structured over short, mid, and long-term horizons, we help ensure your financial ship stays in smooth waters no matter how long the voyage.
Is your lifestyle going to have to change?
Financial plans aren’t just numbers; they’re about the life you want to lead. As lifestyles shift, children launch, travel dreams evolve, and health needs change, your plan should adjust in sync, not lag.
That’s why your personalized Blueprint Session and ongoing reviews help us readjust your plan’s course with you, making sure that your compass always points to where life is headed.
Your Journey, Engineered for Every Horizon
Every leg of your journey accounts for the unexpected, whether that’s shifting needs, rising costs, or extra years ahead. Together, we’ll craft a financial route that adapts, endures, and empowers.