5 Planning Pillars


Structure Your Financial Plan to Enable Transition


Activate Your Will, Powers of Attorney, and Living Will – Early


Organize, Simplify, Downsize & Document Your Estate


Transition Your Financial Management


Transition Your Personal Care Management

“This subject is so important,
and I am not aware of another resource that approaches this often very delicate subject in the same simple, clear, and straightforward manner.”

David S.
Planning For Retirement

Based on True Stories

When Randy’s mental capacity started declining, his daughters were confronted with a financial mess, coupled with personal care challenges. “Don’t let it happen to you!”, they warned.

The book brings alive the many realities of aging, good and not so good, through the personal stories of Randy, Thomas and Grace, Luis and Maria, Olivia, Leo, and many others.

The leanings are highlighted for each. Best practices are derived and structured into the simple 5-pillars framework.  

Structuring Your Estate

Estate and financial plans are only as good as the ability of the people involved to understand and execute them. Putting together a concrete plan for your elder years can get pretty complex. To simplify the process and make the outcome understandable, categorize all your available financial elements, including income sources, savings, investments, and assets, into three allotments:

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Everyday Spending
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Rainy-day Protection
Estate & Legacy

“The proposed three-allotment strategy provides a simple and effective mechanism to compartmentalize the various needs over one’s lifetime.

Brent Vandermeer
Crosspoint Financial

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