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A thoughtful approach to retirement planning.

The Retirement Pathfinder Process

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Our Process

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Every retirement tells a different story...

That's why we take time to understand yours.

We created the Retirement Pathfinder Process with one goal in mind: to help you navigate retirement with clarity and confidence.

Unlike firms that begin and end with the numbers, we believe the best guidance starts by understanding the life you want to live. By taking the time to learn about your goals, concerns, and priorities, we're able to provide recommendations that are thoughtful, personalized, and aligned with what matters most to you.

Because retirement isn't just about reaching a destination.

It's about having a trusted guide to help you navigate the decisions along the way, so you can move forward with confidence and focus on living your best life.

It's how we help you retire smarter, not just wealthier.

Discovery
Kickoff
Income
Investments
Taxes
Protection
Action
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"Justin made me feel comfortable and spoke to me in a manner that made me feel confident I had selected the right person to guide me with my retirement. He allows me to ask questions and ensures I fully understand the next step."
— Margaret Hernandez
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"I've had several financial advisors over the years... What a breath of fresh air. His advice is straightforward and to the point. I've never felt he was looking out for himself rather than me."
— Deward Timothy
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"I've worked with Justin for more than 10 years. He really cares about you as a person and gives you options to choose from based on your needs. He never pushes you into an uncomfortable position. He is extremely patient."
— Shalome Whitfield
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WHAT WE DO

Helping people live their best life in retirement.

Retirement touches many areas of your financial life. From planning for income and managing investments to navigating taxes and preparing your legacy, we're here to help you make decisions that support the retirement you've envisioned and the life you want to live.

Here are some of the ways we help bring that vision to life.

Retirement Planning

Helping you transition into retirement with greater clarity and confidence through thoughtful income planning, Social Security considerations, and retirement strategies designed around your goals.

Retirement Planning Philosophy
Social Security Optimization
Secure Retirement Roadmap
Retirement Income Planning

Tax Planning

Identifying opportunities to make more informed, tax-aware decisions so you can keep more of what you've worked hard to build.

Tax Planning Types
Roth IRA Conversions
Tax-Efficient Investing
Income Tax Planning

Estate & Legacy Planning

Helping you prepare for the future by coordinating the planning decisions that protect the people, values, and legacy that matter most.

Legacy Planning
Wills & Trusts
Asset Protection
Charitable Giving Strategies

Wealth Management

Building and overseeing an investment strategy aligned with your needs, priorities, and long-term retirement objectives.

Investment Strategy
Client-Centric Approach
Risk Management
Income Tax Planning

See our planning process in detail.

Knowing what to expect can make all the difference. Here's a closer look at the conversations, decisions, and guidance that shape the Retirement Pathfinder Process, and how we'll work together to help bring clarity to your retirement journey.

Discovery

Every relationship starts with a conversation. During your Discovery Call, we'll take the time to learn more about you, what's prompting you to seek guidance, and what you hope to accomplish in retirement. We'll listen to your story, answer your questions, and share what it's like to work with Haywood Wealth.

If we both determine it's a good fit, we'll guide you through the next steps. After you've signed the necessary documents to become a client, you'll begin your journey through the Retirement Pathfinder Process.

Kickoff

Haywood Wealth provides financial planning and wealth management for pre-retirees and retirees. We focus on retirement, investment, tax strategies, Social Security, estate planning, Roth IRA conversions, charitable giving, and risk management. As fiduciaries, we create personalized strategies to help you achieve your financial goals while minimizing taxes and securing your legacy.

Income

Haywood Wealth provides financial planning and wealth management for pre-retirees and retirees. We focus on retirement, investment, tax strategies, Social Security, estate planning, Roth IRA conversions, charitable giving, and risk management. As fiduciaries, we create personalized strategies to help you achieve your financial goals while minimizing taxes and securing your legacy.

Investments

Haywood Wealth provides financial planning and wealth management for pre-retirees and retirees. We focus on retirement, investment, tax strategies, Social Security, estate planning, Roth IRA conversions, charitable giving, and risk management. As fiduciaries, we create personalized strategies to help you achieve your financial goals while minimizing taxes and securing your legacy.

Taxes

Haywood Wealth provides financial planning and wealth management for pre-retirees and retirees. We focus on retirement, investment, tax strategies, Social Security, estate planning, Roth IRA conversions, charitable giving, and risk management. As fiduciaries, we create personalized strategies to help you achieve your financial goals while minimizing taxes and securing your legacy.

Protection

Haywood Wealth provides financial planning and wealth management for pre-retirees and retirees. We focus on retirement, investment, tax strategies, Social Security, estate planning, Roth IRA conversions, charitable giving, and risk management. As fiduciaries, we create personalized strategies to help you achieve your financial goals while minimizing taxes and securing your legacy.

Action

Haywood Wealth provides financial planning and wealth management for pre-retirees and retirees. We focus on retirement, investment, tax strategies, Social Security, estate planning, Roth IRA conversions, charitable giving, and risk management. As fiduciaries, we create personalized strategies to help you achieve your financial goals while minimizing taxes and securing your legacy.

Frequently Asked Questions

Answer

Most of our clients are getting close to retirement, or are already retired, and have accumulated at least $1 million in investable assets.

They've reached a point where they realize they no longer want to be responsible for managing the many aspects of their financial picture and would prefer a trusted professional to help oversee everything.

If that sounds like where you are, we may be a good fit to work together.

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Answer

We help coordinate your full financial picture so that you don’t have to turn to multiple people for advice. That includes:

  • Retirement guidance
  • Investment management
  • Tax planning
  • Proactive estate planning
  • Insurance reviews
  • Cash flow forecasting

Our goal is to empower you to live your best life with your money, and to give you the confidence to do so.

Answer

We charge a percentage of the value of the investments we manage, which is debited directly from your accounts:

—1.5% on the first $1,000,000 we manage
—1% between $1,000,000 and $3,000,000
—0.75% above $3,00,000

These fees are on an annual basis, and include all of our wealth management services (investments, tax planning, estate planning, etc.)

Answer

We focus on low-cost investments so that you’re not paying unnecessary fees. That typically includes index-based ETFs and mutual funds that are specifically tailored to your personal risk tolerance.

Most of our clients aren’t looking to swing for the fences, so we focus on time-tested investment principles like diversification and long-term focus.

Answer

Most of our client accounts are managed at Charles Schwab, who acts as an independent custodian for your money. We don’t work for Schwab, but simply use their industry leading technology to manage our clients’ investments most effectively.

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The Haywood Wealth Difference

We start with you.

Before offering advice, we take the time to understand what matters most to you, your hopes for retirement, and the life you want to create in the years ahead.

We help you see the bigger picture.

The decisions you make in retirement can feel overwhelming. We'll help you understand how the pieces fit together, so you can move forward with greater clarity and peace of mind.

We help you navigate what comes next.

Life doesn't stop once you retire. Through life's changes, questions, and unexpected moments, you'll have a trusted partner by your side every step of the way.

"Justin made preparing for retirement so easy! He was very thorough and helped me choose what was right for me. He explained everything to me in a way I could understand. I'm so grateful to have a trustworthy person help me manage my accounts."

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— Linda Lee

Ready to get clarity on your retirement?

We'd love to meet you, learn more about your goals, and together, we’ll explore how to make the most of what you've worked hard to build.

Schedule a call