A transparent, no-pressure process designed to serve you—not sell you
At Paladin Retirement Advisors, we believe you should experience our expertise and receive genuine value before ever becoming a client. That’s why we’ve structured our process around three distinct sessions, with the some being completely complimentary.
Unlike some advisors who rush to close the sale, we invest time getting to know you, understanding your complete situation, and providing detailed analysis—all before discussing whether we’re the right fit to work together. We believe this approach puts you in control and can help to ensures any decision you make is informed and confident.
The discovery session is a conversation, not a sales pitch. We want to learn about you, and you’ll learn about us. Our goal is simple: determine if we can help you and if you want our help.
Everyone who completes a discovery session receives a complimentary Asset Map—a visual representation of your current financial picture showing all your accounts, assets, and liabilities in one clear diagram. This is yours to keep regardless of whether we work together.
We’re not asking you to make decisions, present investments, or sign contracts. This session is purely about getting to know each other and determining fit. If we both feel there’s potential, we’ll schedule Session 2. If not, we part amicably.
After our discovery session, we analyze your situation thoroughly—examining retirement income projections, evaluating Social Security options, assessing investment allocation, identifying tax-saving opportunities, and analyzing risk exposure. This analysis done complimentarily.
Shows you where you're well-positioned, gaps that need addressing, opportunities to improve, and specific recommendations with priority rankings.
Your personalized risk assessment showing current investment risk level, whether your portfolio matches your tolerance, and recommendations for appropriate adjustments.
Visual categorization of your money based on tax treatment:
We’ll spend this session reviewing your reports, answering questions, and discussing potential opportunities we’ve identified. This is educational—we want you to understand your situation completely.
You’ll receive all these reports complimentarily. Take this information, implement it yourself, or work with another advisor if you choose. We provide this value upfront because we’re confident that when you experience our expertise and care, you’ll want to work with us—but the choice is always yours.
Take time to review everything with your spouse or family. If you’re ready to implement the strategies, we’ll schedule Session 3. There’s no pressure, no sales calls.
If you’ve decided to move forward, we’ll present your complete customized roadmap including:
Month-by-month income projections, Social Security recommendations, pension guidance, withdrawal strategy, and lifetime income timeline.
Recommended portfolio allocation, specific investments, rebalancing guidelines, and performance monitoring plan.
Strategic withdrawal sequencing, Roth conversion opportunities, RMD planning, Medicare premium minimization, and projections.
Long-term care, liability coverage, final expense planning, disability assessment, estate planning coordination, Medicare guidance, and legal document checklist.
Clear action items with deadlines, prioritized list, responsible parties, and follow-up schedule.
After reviewing your complete roadmap, you’ll decide whether you want us to implement these strategies and serve as your ongoing partners.
If yes, we’ll discuss compensation, expectations, meeting frequency, service standards, and required paperwork.
If you need more time, that’s completely acceptable. You’ll keep all planning materials we’ve created.
When you work with us, we handle transferring existing accounts, implementing investment strategy, updating beneficiaries, securing insurance, coordinating with attorneys, setting up Social Security claiming, Medicare enrollment, and creating your ongoing service schedule.