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DYNAMIC RISK-BASED RETIREMENT INCOME PLANNING

Desert Road

BluPrint Retirement, LLC, (BluPrint) provides true flat-fee, advice-only customized retirement income strategy services, with a strong emphasis on tax planning, tax optimization, tax-efficient distribution, and cash-flow management. Unlike many advisors, our fee is not tied to the amount of your investable assets under management (AUM). Advisors generally benefit from various recommendations when charging a percentage fee or working on commissions. A flat-fee minimizes conflicts of interest, meaning our advice is tailored to you and your life and empowers you to take control of your retirement.​​

Retirement planning can be a daunting task, especially when you're approaching those golden years and want to ensure you're making the right financial decisions. This is where BluPrint comes in. We offer tailored solutions to help you navigate the complexities of retirement planning with confidence to retire and live your best life.​ We believe that effective planning should not be out of reach for individuals, only for the mega-wealthy, or cost a fortune today or in the future.
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Source: © Income Laboratory, Inc.
Conventional static-based Monte Carlo planning approaches, when used as the core retirement success determinant, can lead to worries about near-term market performance and feelings of guilt when deciding to buy that new vehicle or to pay for grandchildrens' college. This can even make you hesitant to maintain your desired level of charitable giving in retirement or constrain other desired spending.
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Traditional planners utilize conventional Monte Carlo analysis and scores as their core retirement analysis determinant, which focuses on the probability of success or failure. Resting solely on this abstract and static form of analysis leads the client to believe they will either succeed or fail in retirement, creating unnecessary stress and anxiety. Research clearly supports that retirement is not a pass or fail event. In reality, retirees adjust their spending higher in good times and lower if their plan comes under stress, such as in times of prolonged bear markets, recession or to manage unplanned life events. 
Retirees should not be overly focused on the probability of success the plan is projecting in a static environment, which assumes no changes are made in the future. Instead, the question should be, what probability of success is acceptable if a negative trend develops and what adjustments should be made? It often requires small adjustments to get a retirement plan back on track.
A feature that sets BluPrint apart from other planners is our use of an industry-leading Dynamic Risk-Based Guardrails approach to planning, based on the latest planning technology and research. Our retirement plans utilize Monte Carlo and Historical analysis to create dynamic strategies tailored to your unique financial situation. Our approach highlights circumstances which could lead to an upward or downward adjustment in spending and what those adjustments could look like. This combination of technology and research delivers true “reality-based” retirement planning based on how people manage spending and risks in retirement.​ ​

​​​​Because of the dynamic nature of our planning approach, each month, key attributes (e.g. inflation rate, rates of returns expected for stocks and bonds, asset balances and longevity expectations) are automatically adjusted in real-time in the system and modify your guardrails to provide proposed spending changes based on agreed-upon risk tolerances. BluPrint provides a level of sophistication and adaptability that traditional static methods simply can’t match. Imagine having a retirement plan that evolves with you, providing clear and specific guidance on when it's safe to enjoy more of your savings or when to exercise caution while allowing you to maximize sustainable spending. The end result provides you with both clarity and confidence to know that your retirement income plan is resilient and dynamic today and in the future. â€‹â€‹â€‹

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Source: © Income Laboratory, Inc.
Our advice-only services do not include specific recommendations to purchase, sell, or hold any particular security (e.g., stocks, bonds, mutual funds, ETFs). We do not provide investment advice or manage investment portfolios beyond a discussion of their general characteristics, tax and cash-flow treatment. In addition, we don't sell annuities, prepare trusts and wills, sell insurance products and we do not provide specific tax or legal advice.   â€‹â€‹

COMMON RETIREMENT INCOME QUESTIONS WE
CAN HELP ANSWER: 

  • What is my monthly and annual spending capacity (both gross or net of tax)?

  • Can you confirm if I am financially able to retire?

  • How likely is it that I will need to make a spending adjustment up or down?

  • What is the estimated size of spending adjustments based on my specific risk factors?

  • When will I need to make adjustments to my spending (frequency, etc.)?

  • ​What are the triggers which would lead to a spending adjustment (boundaries, etc.)?

  • How can my retirement plan safeguard against overspending and underspending? 

  • How do I convert my investments and savings into a retirement paycheck?

  • How do I incorporate charitable giving strategically into my plan?

  • What strategies can I use to maximize my ending portfolio balance or reduce taxes?

  • From which accounts and in which order will I pull funds for my retirement paycheck?

  • How do I make Social Security claiming-age decisions and can this be optimized?

  • How can I ensure a tax-efficient withdrawal approach during retirement? 

  • Should I consider regular Roth conversions or backdoor conversions? 

"Important Disclosures" and/or "Legal Information.": 

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BluPrint Retirement, LLC (“BluPrint,” "we," the “Firm") is a retirement income planning adviser which provides true flat-fee, advice-only customized retirement income strategy services, with a strong emphasis on tax planning, tax optimization, tax-efficient distribution, and cash flow management. Our services are offered in accordance with the applicable regulations in South Carolina and other relevant jurisdictions.

 

All opinions and estimates constitute BluPrint Retirement, LLC judgment as of the date the content or information was printed and are subject to change without notice. BluPrint does not warrant that the content or information will be free from error. The content or information should not be relied upon for purposes of transacting securities or other investments. Your use of the content or information is at your own risk. Under no circumstances will the Firm be liable for any indirect, direct, special or consequential damages that result from the use of, or the inability to use, the content or information provided or included within, even if a BluPrint authorized representative has been advised of the possibility of such damages.

 

Please remember that nothing on this website should be construed as personalized financial, tax, or legal advice. All written or presented content or information on this site is for informational purposes only and is not intended as tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. This content or information in any form should not be relied upon as the determining factor in a financial decision. Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made by BluPrint Retirement, LLC, in the future, will be profitable or equal the performance noted in this content.

 

The content or information provided or included within, is “AS IS” and without warranties of any kind either expressed or implied. To the fullest extent allowed by law, BluPrint Retirement, LLC disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose. Content, information or material provided or included within, is believed to be from reliable sources and no representations are made by the firm as to another party’s informational accuracy or completeness. All information or ideas provided or included within, should be discussed in materially, sufficient and/or required detail with your advisor, accountant, tax professional or legal counsel prior to use or implementation.

 

Use of any content, information or ideas provided or included within, by BluPrint Retirement, LLC is for general information only and does not represent individualized or specific tax advice, either expressed or implied. You are encouraged to seek professional guidance with an advisor, accountant, tax professional for income tax questions or legal counsel for any or all questions and assistance.

 

Image Sourcing: Certain images, charts, and data visualizations displayed on this website are used with permission from © Income Laboratory, Inc. These images are used for illustrative and informational purposes to demonstrate potential financial concepts and analyses, and should not be considered a solicitation or recommendation for any specific financial product or strategy.

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