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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.

Retirement planning consultation using a financial document

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.

Monte Carlo Simulation Results: $70,000, $80,000, $90,000 annual spending success probabilities shown

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. ​​​

Retirement income graph showing upper, lower, and baseline ranges
Source: © Income Laboratory, Inc.
Our advice-only services do not include 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.   ​​

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 Legal Information

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BluPrint Retirement, LLC (“BluPrint,” “we,” or the “Firm”) provides flat-fee, advice-only retirement income planning services, including discussions of cash flow, tax-efficient distributions, and estimated tax effects. BluPrint does not manage client assets or recommend the purchase, sale, or holding of particular securities. The services provided to an individual client are defined by that client’s written engagement agreement.

 

Unless otherwise attributed, opinions and estimates prepared by BluPrint reflect its judgment as of the date published and are subject to change without notice. Articles, research, and other materials attributed to third parties reflect the views of their respective authors. BluPrint makes those materials available for general informational purposes. Their inclusion does not constitute BluPrint’s independent verification, approval, or endorsement of their contents.

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Content on this website is provided for general informational and educational purposes. Viewing it does not establish a client relationship or constitute individualized retirement planning, investment, tax, accounting, or legal advice. Website content is not an offer, solicitation, or recommendation to buy, sell, or hold any security, financial product, or other investment, and should not be relied upon as the sole basis for a financial decision. Past performance does not guarantee future results. Financial projections and estimates depend on assumptions and may differ materially from actual outcomes.

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Although a paid engagement may include discussion of estimated tax effects, the scope of any such discussion is governed by the applicable written engagement agreement. Website content does not constitute tax-return preparation, a formal tax opinion, or legal advice. Before implementing a strategy discussed on this website, consider whether advice from an appropriately qualified professional is needed for your circumstances.

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To the fullest extent permitted by applicable law, website content, including third-party materials, is made available “as is.” BluPrint makes no representation or warranty, express or implied, concerning its accuracy, completeness, timeliness, or suitability for a particular purpose. To the fullest extent permitted by applicable law, BluPrint disclaims liability for indirect, incidental, special, or consequential damages arising from the use of, inability to use, or reliance upon website content. Nothing in these disclosures limits, modifies, or supersedes BluPrint’s obligations under a written client engagement agreement or excludes liability that cannot lawfully be excluded.

 

Image Sourcing: Certain images, charts, and data visualizations on this website are used with permission from © Income Laboratory, Inc. They are presented for illustrative and informational purposes and do not constitute a recommendation or solicitation concerning any particular financial product or strategy.

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