Enter and Enjoy Your Retirement With Confidence
Build and implement a Retirement Roadmap that carries you to and through the retirement of your dreams.
Retire Confidently
Enjoy the Moments
Live Freely
It’s Natural to Feel Uneasy About Money as You Approach Retirement.
Without a retirement plan you may have questions like:
- Have we saved enough?
- Are we paying too much in income taxes?
- Are there questions we’re not thinking of addressing?
- How will we access our investments when we stop working?
- Are our investments aligned with our retirement goals and financial plan?
- Will assets pass to the next generation or other beneficiaries according to our wishes?
What is a
Retirement Plan?
A properly constructed retirement plan is a long-term financial roadmap that ensures you have sufficient income after you stop working. It involves setting goals for your future and aligning all areas of your finances to work towards attaining those goals.
Regardless of whether you are nearing or have already entered retirement, you deserve to have complete confidence that your financial plan will hold steady through your golden years.
If you are wondering how to plan for retirement, here’s how we develop a Retirement Roadmap for every client.
We believe it should contain these 5 key elements to carry you both to and through retirement:
- ✅ Align your investments with your unique goals and comfort level surrounding risk
- ✅ Keep more money in your pocket with a year-round income tax strategy that optimizes your lifetime tax bill
- ✅ Have a plan to navigate the unknowns before they happen
- ✅ Ensure your assets are set up to pass to your family or other desired beneficiaries according to your desires
- ✅ Have a CERTIFIED FINANCIAL PLANNER™ to talk to who understands your situation and proactively monitors your investments and overall financial plan
You’ve worked hard and deserve to spend your time how you want—both now and in the future.
Everybody Has a Different Definition of What Financial Success Looks Like.
When you’re approaching retirement, it’s natural to wonder if you’ve saved enough to enjoy it all.
Hello! I’m Justin Rush and I’m a CERTIFIED FINANCIAL PLANNER™ professional as well as an independent, fiduciary. I help current and future retirees by building and implementing a retirement plan that confidently carries them to and through the retirement of their dreams.
I make these 3 commitments to each of my clients when we build their Retirement Roadmap:
- I am a fiduciary, which means, your best interest always comes first.
- You will not be confused by financial jargon.
- You will feel empowered to make confident financial decisions.
Create a
Retirement Roadmap
That carries you to and through the future
STEP 1:
Discover
STEP 2:
Design
We’ll work one-on-one to turn those goals into a comprehensive Retirement Roadmap that will give you confidence and guide your retirement planning and financial decisions.
STEP 3:
Deliver
With your Retirement Roadmap in place, we’ll implement the recommendations and schedule routine check-ins to ensure your portfolio and plan stay on track.
Stop Wondering If You Will Outlive Your Money
Each Retirement Roadmap we build and implement with our clients may include the following services so you may focus on enjoying every moment of retirement:
Investment Management
Income Tax Planning
Risk Management and Insurance Review
Estate Planning and Asset Protection
Ongoing Advice and Check-Ins
Take the guesswork out of your financial future and focus your time and energy on the things in your life that matter most!
Answers to Frequently Asked Questions
All about retirement planning, wealth management and financial planning
The CFP® mark is the gold standard in financial planning. A CERTIFIED FINANCIAL PLANNER™ professional must act as a fiduciary, which means your best interests always come first.
CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients’ best interests today to prepare them for a more secure tomorrow.
Wealth management is a comprehensive approach to managing an individual’s or family’s finances.
Typically, this involves the following services:
- Investment management
- Income tax planning
- Financial advisory services
- Estate planning
- Retirement planning
- Risk management
The goal of wealth management is to maximize your overall financial well-being and achieve long-term financial and retirement goals so you may focus on other areas of your life.
A fiduciary financial advisor is a professional who is legally and ethically obligated to act in their clients’ best interests, putting the clients’ financial well-being above their own.
This is important because not all financial advisors are required to be fiduciaries at all times. As such, a consumer may think an advisor has his or her best interest in mind, but the reality may be the advisor is not required to do so.
At the inception of JGR Financial Solutions, Justin Rush signed a Fiduciary Oath, committing to always placing the interests of his clients before his own. We encourage you to ask your current or prospective advisor if he or she can or will sign the same Fiduciary Oath.
Having a professional manage your investments can be extremely beneficial. Every investment manager provides different benefits.
Here are six potential benefits of hiring JGR Financial Solutions for ongoing investment management:
- A disciplined approach that removes emotions from the investment decision-making process
- Lower portfolio costs by using index funds
- Periodic portfolio rebalancing to keep your investments aligned with your goals
- Increased tax efficiency of the portfolio
- Your funds are held by an independent custodian (i.e. Charles Schwab), not the advisor firm
- A simple and transparent fee structure
A “fee-only” financial advisor is a professional who only charges fees directly to their clients for the services they provide, rather than earning commissions or other compensation from financial products they recommend. This compensation structure aims to minimize conflicts of interest and ensure that the advisor’s recommendations are solely based on the client’s best interests.
This is why JGR Financial Solutions is a “fee-only” financial advisor.
We work on a “fee-only” basis, meaning 100% of our fees come directly from our clients and are fully transparent. We sell no products. We accept no commissions.
Our fees are typically based on a percentage of assets under management, starting at 1% annually, and decreasing as your wealth grows.
At the beginning of a relationship, we typically meet 3-4 times in the first six months. This enables us to discuss your short and long-term goals, identify your comfort with (and need for) risk, build your Retirement Roadmap, open and transfer investment accounts to Charles Schwab, review any income tax planning items, and ensure your insurances and estate planning documents align with your overall financial plan.
On an ongoing basis, it’s common for 1-2 review meetings each year to discuss any changes to your financial goals and updates regarding your investment portfolio.
In between meetings, you can expect to receive regular communication from us. We make available a weekly or monthly portfolio summary delivered to your inbox that simply shows how that time period went.
We also offer a periodic “check-in” as a way to gauge your confidence in your financial future and the financial markets.
These periodic email updates and check-ins are meant to serve as a communication tool should you have any questions in between meetings.
We pride ourselves on regular communication!