Avoid unpleasant choices tomorrow by building a strong plan today.

When you get right down to it, every important financial decision you make today affects your retirement. You may not like thinking about it, but you need to plan for that day when you will live off of your income-generating assets. Even people with a high net worth need to think ahead, to prevent a situation in which they have to liquidate their home and other treasured assets in order to provide enough income.

A central tenet of this planning process is to shift your assets over time, so that when you stop working, you will have sufficient income-generating assets to maintain your lifestyle.

In developing this approach, Opes Advisors veered away from the traditional notion of retirement planning to create something more innovative – and more effective. Some firms will work with you to create a retirement plan, and then will focus on building your net worth through returns on stocks and bonds. Opes believes having a plan is very important, but the financial decisions that you make throughout your life, and how you are prepared to effectively make those decisions, are even more critical components of a successful retirement.

Your net worth is much more than your stock and bond investments, and a high net worth does not automatically translate into effective preparation for retirement. If your high net worth is tied up in investments that don’t generate income when you need it, such as leveraged real estate, you will have to make decisions that you were neither expecting to nor prepared to make.

Build Your Balance Sheet Over Time

Opes will help you build your Personal Balance Sheet over time so that your retirement is funded effectively. Opes Advisors’ unique process brings expertise to your entire balance sheet, with recurrent reviews and strategies to guide you through each Financial Decision Planning Moment, with a long-term focus on optimizing your balance sheet before and during retirement.