Jason Parker Headshot

There is a problem that I need to make you aware of.

Hi, my name is Jason Parker, and I'm the founder of Retirement Budget Calculator and the president of Parker Financial LLC. I created the calculator to help more people have a greater sense of confidence as they prepare for and transition through retirement, and to do so at a fraction of the cost of hiring a financial adviser. The Retirement Budget Calculator does an excellent job of helping people create a very detailed cash-flow plan as they prepare for retirement. 

But here is the problem, once you create the plan, you need to implement the plan, create an investment strategy and monitor the plan to make sure everything is working as it should.

Implementing the plan and developing an investment strategy is not easy, and as you get closer to retirement, you are entering a time of life when you can't afford to make a mistake.

I've seen too many people take the information from the calculator and bring it to an investment adviser representative, financial adviser, or insurance agent who then tries to sell investment and insurance products they don't need. I've also seen people try to do this on their own, and they just don't know what they are doing.

So today we are bringing you the calculator, investment management, and advice to provide you with a robust solution to help you implement your plan, create an investment strategy and monitor your plan to help you make the most of your retirement.

We offer a 2-prong approach that includes a comprehensive retirement plan and investment management.

We’ve found that some people just want a one-time retirement plan, and others only want someone to manage their investments. But we’ve found the best way to help you make the most out of your retirement nest egg is to offer the two in tandem. So if you’re looking for one or the other, then we won’t be a good fit for you.

I've broken our process down into 4 easy steps.

 

Step 1: Financial review

The Retirement Budget Calculator is simple, easy, and powerful, but user error could be costly. If you are not careful, you could make a mistake that could produce inaccurate results. The first step is to have one of our financial advisers review your data in the Retirement Budget Calculator and to review your plan for completeness and accuracy at your first appointment with us.

Step 2: Hire us & start transferring accounts to our management

Fidelity Investments is our custodian, and you will have 24/7 access to your accounts. You can sleep soundly at night knowing that your money is in good hands thanks to our relationship with Fidelity, Vanguard, and Dimensional Fund advisers.

You will be charged two fees:

  • A one-time financial planning fee of $1500  - and -
  • An ongoing fee for managing your accounts. We know it is important to keep your fees low. The lower your fees the more of your money you can enjoy. Our investment management fees tend to be less than many investment advisers. We are leveraging technology to help you optimize your finances and keep your fees low.

Step 3: After you’re accounts have been transferred to our management, we’ll meet again to cover the following:

  • Risk Analysis

    Our risk assessment is based on decades of behavioral economic work and a Nobel prize-winning framework called prospect theory. Prospect theory tells us that people are loss averse. In other words, we feel the pain of losses more than the joy of gains.

    Our risk analysis is designed to help you optimize your investment approach for a specific level of risk that you are comfortable with. We want to assist you in making sure your money works hard in the good years and that you stick to your strategy when things are not going well with the stock market.

  • Investment Portfolio Design

    You deserve a retirement investment plan that is based on academic research and financial science, and it should be tailored to your risk tolerance and financial goals.

    We offer a low-cost, diversified, global investment approach across asset classes and sectors. We'll handle portfolio rebalancing as needed.

    Our team of professionals has years of experience applying insights from economics theory to create a retirement investment strategy that you can feel confident in.

  • Tax planning

    When you provide us with a copy of your most recent tax return each year, we will provide you with a detailed written report to show what actions you should consider for reducing taxes.

Step 4: Monitor and Adjust

Your retirement is a journey, not a destination. Things will happen that are out of your control. 

We provide you with an annual review with one of our investment adviser representatives to help you track progress and make any necessary adjustments along the way.

Ready to begin?

If our 2-prong approach sounds like what you’re looking for, then please click here to schedule your first appointment with us and one of our team members will reach out to you.

Or give our office a call at 360-337-2701. We’re here to help.

We’re looking forward to starting a long-term relationship with you while we walk life together throughout your retirement years.


Not quite ready yet?

Then you can click here to schedule a 15 min phone call with one of our advisers to get started instead.