Starting Your Retirement Journey

There are many important considerations when planning to retire. Your plan should account for more than what your expected monthly income will be in retirement. In addition to giving you the assurance of consistent and stable income, it needs to account for the latest tax strategies to minimize your tax burden each year, evaluate investment opportunities to maximize your yield, and determine an intentional withdrawal strategy.

In the journey toward retirement, you’ll want a plan that accounts for every contingency. Every plan we create with our clients is stress-tested against a variety of scenarios that might arise in their journey through retirement. Our goal is to give you the confidence to enter retirement and live greatly.

Your Retirement. Your Plan. Your Confidence.


We start with getting to know you — your story, and your future. What do you want to build in your life and retirement? We’ll explore your dreams, aspirations and more in order to understand you and your goals holistically, not just the value of your accounts.

Of course, we will also review all of your financial statements, create a risk tolerance profile, and discuss your investments. We will put it all together for you into one snapshot so you have a clear picture of your financial situation and how it aligns with your retirement goals.

During this meeting, we discuss our retirement philosophy and planning approach--the foundation for how we build our plans. We will create a holistic analysis of your portfolio and review your current financial plan step-by-step, including your plan’s projections. Often people have not experienced this type of analysis, and it’s not uncommon to find ways you can immediately improve your retirement outlook.

As we evaluate and discuss your retirement plan, you’re going to get a taste of what it’s like to work with us, which will help you determine if we are the right firm to help you reach your retirement goals.

More Than a Retirement Plan. Confidence.

How We Build Your Plan

We believe it’s our job to do the heavy lifting and make it as easy for you in the planning process. That’s why we build every plan with a simple 4-meeting process. Through these four meetings, we get to know you, your passions, your aspirations and goals for your life. We gain an understanding of your current financial situation and then begin our analysis, evaluation, and planning. Every step of the way, we talk openly about our findings and share our specific recommendations on areas that can be improved.

Our Meeting Process

Like designing a new home, your retirement plan should fit not only your needs but also your aspirations. We believe that each plan should be as unique as the family or individual it represents; focusing on you and your vision for the future, not just the value of your accounts. That’s why we follow a four-meeting structure for everyone. This ensures that we’re able to build a custom strategy for you that doesn’t miss any aspect of your life.

Retirement is one of the most important journeys you will embark upon.

That’s why we take each of our clients through a structured and in-depth planning process. Every plan we build is unique to that individual, taking into account their specific situation, their goals, and the future that they want to create. Like in any journey, the unexpected happens, goals change, new opportunities come up, and unexpected events happen. That’s why we have an entire team working constantly to update and refine your plan and at least once a year we conduct a one-on-one review with our clients—to ensure it accurately accounts for any changes in circumstances or new aspirations.


The entire Great Waters Financial team has one focus: Helping our clients live greatly. Living greatly means being able to enter the best years of your life with the confidence and excitement to pursue your passions and aspirations.

If you currently have a retirement plan, ask yourself how confident you are that it will help you live greatly. If you find yourself in doubt—if you wonder how well your contingencies are covered—we are here to help.  

And, of course, if you’re just beginning to consider your retirement future, our team is ready to walk you through every facet of what you should expect. We’ve done it for thousands of clients who are embarking on their next great beginning with increased confidence.

Our advisors regularly appear on WCCO, KARE11, and our firm is ranked #3,113 on the 2018 Inc. 5000, a list of the nation’s fastest-growing privately held companies.

In this meeting, we help you transition your accounts to Great Waters Financial. To make it as simple as possible, we prepare all of the necessary documents and complete required signatures.

Then we lay out our client implementation process and cover what our continued relationship looks like including strategy sessions, ongoing education, and client appreciation events.


We walk through the plan we’ve custom crafted for you. Think of it as a blueprint for your new beginning. You’ll see your existing portfolio side-by-side with the plan we created. You’ll quickly see how our holistic retirement plan can make a difference. We’ll show you the adjustments we recommend and the effect it could have on your lifestyle.