Before we meet

A little preparation.
A more useful conversation.

Your complimentary, one-hour discovery meeting with Rich LoPresti follows the same preparation-first approach used after his retirement-planning classes. Meet in person or by Zoom. We’ll start with your goals and concerns, then discuss the account and tax questions that deserve a closer look.

What do you want your money to do?

For you—and for the people you care about.

Think about enjoying life today, protecting your future and providing for others. Which matters most right now? You do not need exact amounts or perfect answers; bring the decision you want help thinking through.

What we’ll cover

You worked hard to build your savings. Now let’s talk about how those assets can work for you in retirement.

The habits that helped you accumulate wealth may need to evolve when your accounts start providing your paycheck. We’ll begin with a holistic snapshot of where you are today, explore where your current approach may lead, and identify adjustments worth a closer look.

1. Your whole picture—not just your portfolio. Your goals, income sources, spending, cash reserves, debts and investments, along with how your savings are divided among taxable, tax-deferred and Roth accounts.
2. From building savings to building a retirement paycheck. Saving and investing during your working years is different from withdrawing money in retirement. We’ll discuss which accounts to draw from, when, and how much—rather than automatically taking a proportional amount from each. Coordinating withdrawals with taxes, market conditions and your other income can help your savings support the life you want.
3. What happens if you stay the course? Where your current saving, investing and withdrawal habits may take you—and which future tax, income or market risks deserve further analysis.
4. Which levers could put your plan on better footing? Changes to withdrawal order, reserves, investment allocation and asset location. Allocation is what you own; location is the type of account holding it. Both should support your spending needs and comfort with risk.
5. Where might Roth conversions fit? If appropriate, we’ll discuss how potential conversion amounts and timing would be evaluated, how the tax could be funded, and what you would be trading today for possible flexibility later. The science is comparing scenarios; the art is fitting the numbers to your life.
6. What belongs in your Roth—and why? We’ll explore how investments across your accounts can work together, considering growth potential, risk and when you may need the money. There is no universally optimal Roth investment; the choice belongs within your overall plan.
7. A clear next step. Identify the questions that matter most, what additional analysis would be useful, and whether moving forward together makes sense.

Discovery starts the conversation. Specific conversion amounts, investment recommendations and projected outcomes require a fuller review of your information and appropriate follow-up analysis. A conversion is an option to evaluate—not the assumed answer.

Helpful documents

If available, securely upload these at least three days before your meeting:

• Recent retirement account statements.
• Other investment account statements.
• Your most recent full tax return.
• Social Security benefit statements or estimates.

If you cannot gather everything, do not let that stop the conversation. Let us know what is missing.

Joining and rescheduling

Your Calendly confirmation will contain the date, time, meeting location or video link, and cancellation/rescheduling links. Use the details in that confirmation.

Documents support preparation; they do not imply that a personalized assessment will be completed before this initial conversation.