The initial phase of our structured process includes:

• First, inventory all investment, financial, real estate and business assets
• Next, R⁴ will analyze the assets at an aggregated and individual account level basis with a focus on:
  • Performance, fees, and risk (i.e. concentration/diversification, inflation, cyclical positioning, interest rate exposure)
• Lastly, these findings and reports are shared with you

The second phase includes:

• Working with you to “drill down” on the existing consumption pattern and to forecast the post-retirement consumption needs
• Working with you to learn about your investment/financial philosophy, risk tolerance and to further “drill down” on all assets and accounts

The third phase includes:

• Engaging with you with the goal of helping to eliminate the unnecessary risks that were identified in the prior phases
• Using your input, R⁴ will develop a model portfolio to determine if it is possible to align the priorities and objectives:
  • R⁴ has successfully created a model portfolio if the projected cash-flow equals or exceeds the desired cash-flow given the client’s risk profile
• The difference between your current portfolio and the model portfolio will be the basis for any investment recommendation

The fourth phase includes:

• Quarterly investment reviews (in-person preferably)
• Availability to R⁴

^{No strategy assures success or protects against loss.}