Modern Retirement Design
'Turning over the stones'
Arizona Retirement Company prides itself with its proprietary Modern Retirement Design™ strategy. MRD is an intellectual strategy that leaves no stone unturned during the retirement planning process. Along with the MRD strategy, our success relies entirely on our proven process surrounding it, our professionally trained consultants, and our exceptional client service.
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The Modern Retirement Design strategy doesn't just happen – there's a process that must be followed. Here's the technical breakdown of each step:
Discovery - data collection, qualitative feedback, goal targeting and useful hindsight. It can be time-consuming, depending on your organization level and how involved you are throughout the process, but it is vital to planning for success.
Analysis - a comprehensive blueprint of your current retirement plan demonstrating where you are, where you're headed and if you're on target.
Design - employs the MRD strategy to compute retirement designs that will meet or exceed your expectations and evolve as your life and needs change.
Implementation - the application and transition to the MRD strategy, which by design, may occur several years before and after retirement. Implementation includes reviews of your MRD strategy with adjustments made as necessary or annually.
What’s a coffer? Think of a safe or strong box for your valuables. Only the MRD coffers contractually keep retirement assets safe. Protecting the redesigned retirement lifestyle from market losses, creditors, predators, lawsuits and unnecessary tax exposure.
The first coffer is the most important coffer to fill, representing the amount of guaranteed lifetime income AZRC clients need. Coffer #1 goes beyond Social Security and Pension income by filling the cash flow gap, to pay for daily expenses and more, and it's simple to manage. Coffer #1 is guaranteed, similar to SS and Pension income. However, strategic lifetime income additions to Coffer 1 also benefit from market growth, tax advantages, cash value, inflation protection, penalty free withdrawals, living benefits and more.
The second coffer represents guaranteed savings which will be there when you need them, to cover the extras in life – like that special trip or class reunion, or unexpected expenses like golf clubs, a new boat or second home, and it's simple to manage. Coffer #2 goes beyond the IRA and 401K savings strategy by protecting your hard-earned savings from its enemies: market losses and excessive fees. Unlike IRA's and 401k's, Coffer #2 is guaranteed, and like Coffer #1, benefits from market growth, tax advantages, cash value, inflation protection, living benefits and more.
The third coffer represents guaranteed savings that will be there when life's emergencies rear their ugly heads – like uncovered medical expenses, home and auto repairs or helping out the children, and it should come as no surprise that it's also simple to manage. Coffer #3 goes beyond the bank instrument and risky investment strategy by protecting your emergency fund from its enemies: low returns, market losses and excessive fees. While it is guaranteed like most bank instruments, strategic additions to Coffer #3 also benefit from market style returns, tax advantages, cash value, inflation protection, living benefits and more.
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