Four steps from first call to a plan you keep up to date.
Access, Simple plan, Take action, Evaluate. The same disciplined route for every family we work with, whatever your starting point.
Four steps. One plan. No surprises.
Each step has one job and ends with something you can hold. Tap a step to jump to the details.
Access
Every expedition starts at base camp.
We sit down together, at Trafalgar Plaza or by video, and gather the full picture before anyone makes a recommendation.
The point of this step is understanding, not selling. You leave knowing what we will look at and what happens next.
Start here · No obligationConnect with a licensed insurance agent→What happens
- A conversation about what you want retirement to look like
- A review of your income sources: pensions, Social Security, TSP or 401(k), IRAs and savings
- A first look at taxes, health coverage and the people you want to protect
- Recent statements for retirement and savings accounts
- Your Social Security estimate (ssa.gov)
- Pension or FERS estimates, if you have them
- Last year's tax return
- A clear list of what we will analyze
- Answers to the questions on your mind
- A date for your Simple plan meeting
Simple plan
One clear simple plan.
We turn everything from Access into one clear, written plan for income, taxes, healthcare and legacy.
Simple means you can read it in one sitting and explain it to your family. No 80-page binder.
Tool · 2 minutesTry the Retirement Income Planner→What happens
- Your retirement paycheck: which dollars pay for what, and in what order
- When to claim Social Security, and how it fits with the rest of your income
- Where taxes show up over the years, to discuss with your tax professional
- Healthcare, long-term care and legacy, each with a clear next step
- Questions about anything in the plan
- Your spouse or anyone you make decisions with
- A written plan you keep
- The few decisions that matter most, in order
- What it would take to put the plan in place
Take action
TAKE ACTION
We put the plan to work, one step at a time, in the order that matters.
Where your tax professional or estate attorney needs to be involved, we coordinate with them so nothing falls between the cracks.
Tool · 3 minutesTry the Roth Conversion Navigator→What happens
- Income strategies set up so the paycheck arrives when you need it
- Roth conversions or other tax moves, if the plan calls for them
- Protection for what you have built, explained with costs and trade-offs side by side
- Beneficiary and legacy updates, alongside your attorney
- Signatures, when you are ready, never before
- Each step done, and confirmed in writing
- A record of what changed and why
Evaluate
From the top, you check the route again.
Markets move, tax law changes and life happens. Regular reviews keep the plan on course.
Nothing is set and forgotten. If something changes in your life, you call us and we adjust.
LessonsVisit LSF University→What happens
- A scheduled review of income, taxes and coverage
- Updates for new tax rules, Medicare premiums and required distributions
- Changes to the plan when your life changes
- Anything that changed since last time: health, family, home, work
- An updated plan
- The next review on the calendar
Start any step on your own.
No account needed. Results are educational and hypothetical; review them with the team.
15 minutes with a licensed insurance agent, at Trafalgar Plaza or by video.
Open →Tool · 2 minutesRetirement Income PlannerSee whether your savings and Social Security cover your monthly spending.
Open →Tool · 3 minutesRoth Conversion NavigatorFind out whether converting some savings over several years could be worth a closer look.
Open →2 minutesRetirement Ready QuizThree questions on timing, income and taxes, and what stands out in your situation.
Open →The services inside your Simple plan.
Common questions about the ASTE process
How long does the ASTE process take?
It depends on how much is involved in your situation. Access and Simple plan usually happen over a few meetings, and Take action moves at your pace.
Does the first conversation cost anything?
The first conversation comes with no obligation.
Do I need to bring everything to the first meeting?
No. Bring what you have. We will give you a short list of anything else we need for your Simple plan.
Can we meet by video?
Yes. Meet us at Trafalgar Plaza in Fort Lauderdale or by video, whichever is easier for you.
Will you work with my CPA or attorney?
Yes. We coordinate with your tax professional and estate attorney. LSF Capital is not a law firm and does not give legal advice.
What if my situation changes after the plan is in place?
That is what Evaluate is for. Call us, and we will review the plan and adjust it when your life changes.
How long is the first meeting?
About 45 minutes to an hour, with you and a member of our team.
How often do we review my plan?
Once a year, or whenever you ask.
Trafalgar Plaza, 5310 NW 33rd Ave., Suite 114, Fort Lauderdale, FL 33309 · In person or by video
Connect with a licensed insurance agent
15 minutes, no obligation. Pick a time and we’ll call you, or meet us at Trafalgar Plaza or by video.
- Not sure what to ask? Leave the topic on “Not sure yet.”
- Prefer to call? 954.999.0355