Many people approaching retirement have done the right things. Saved consistently, contributed to their 401(k), and made reasonable decisions along the way. And yet the closer retirement gets, the less certain they feel.
Saving is one thing but knowing how to turn those savings into an adaptable plan that suits your lifestyle and needs in the future, is another.
At Intelliplan Financial, we work with pre-retirees throughout the Columbus, OH area to answer that question, building personalized, comprehensive retirement plans that integrate your financial life into one clear, coordinated picture.
What is Holistic Financial Planning?
When your financial life is managed in pieces — a 401(k) here, a tax accountant there, an insurance policy somewhere else — no one is looking at how it all fits together. A tax strategy that doesn’t account for how and when you draw income can lead to unnecessary taxes over time. Social Security decisions made in isolation can reduce your total lifetime benefit or create income gaps in the early years of retirement. Each professional may be doing their job well, but without someone connecting the dots, small disconnects can lead to costly mistakes.
Holistic financial planning closes that gap. When your finances are built into one coordinated strategy, uncertainty can lift because you have a complete, connected view of where you stand.
Retirement Planning Services at Intelliplan Financial
We build every client’s plan around five pillars of holistic wealth management:
Financial Planning
We develop a personalized retirement income strategy, including Social Security optimization and withdrawal sequencing, so your income is structured to last throughout retirement.
Tax Management
We build proactive tax strategies into your plan from the start, including required minimum distribution (RMD) planning and tax-efficient distribution strategies, to help you keep more of what you’ve saved.
Asset Management
We manage your investments with your full financial picture in mind, adjusting your portfolio over time as your goals, timeline, and risk tolerance evolve.
Protection Planning
We help you evaluate your healthcare and long-term care planning needs to prepare for potential unexpected health events.
Legacy Planning
We work alongside your estate planning attorney to help make sure your assets are protected and transferred according to your wishes.
The Bucket Plan®: How We Structure Your Retirement Income
One of the most common fears we hear from pre-retirees is running out of money. The Bucket Plan® is the framework we use to address that directly.
Rather than treating your retirement savings as one pool to draw from, The Bucket Plan® divides your assets into three time-based buckets:
- Your Now bucket aims to cover your immediate income needs and living expenses.
- Your Soon bucket is structured to hold funds you will need over the next several years, invested conservatively to protect against short-term market volatility.
- Your Later bucket is designed for long-term growth, positioned to work harder over time and replenish the other buckets as needed.
The result is a retirement income structure built to protect your near-term security, keep your long-term assets growing, and give you a clearer picture of where your money is at every stage of retirement.
Download Our Free Retirement Planning Guide
The Bucket Plan® Philosophy Guide walks you through how to structure your retirement savings into a clear, coordinated income plan so you can see exactly where your money is, when you’ll need it, and how to make it last.
How We Work with You
We do not make recommendations until we fully understand your situation. Every plan we build follows the same four steps:
Step 1: Discover
We start by getting a deep understanding of what matters to you: your goals, your finances, your timeline, and what your ideal retirement looks like.
Step 2: Design
We build a comprehensive, personalized plan with tailored recommendations across all five pillars of your financial life: financial planning, asset management, tax management, protection planning and estate planning.
Step 3: Deliver
We walk through the plan together, step by step, making sure you understand and feel confident in every recommendation before anything is implemented.
Step 4: Dedicated
We provide ongoing support, regular reviews, and proactive communication as your life and goals evolve.
Frequently Asked Questions About Holistic Financial Planning
See What’s Possible When Someone Looks at the Whole Picture
Many of our clients tell us that the discovery process alone, just having someone ask the right questions and truly listen, changed how they think about retirement.
With extensive experience working with pre-retirees in the Columbus area, we have found that those moments happen when you can finally see your full financial picture clearly, often for the first time. That is what our process is designed to do.
Because unlike many financial advisors who only focus on investments, we look at the entirety of your financial life: your goals, your concerns, and your vision of a fulfilling retirement.
Serving families throughout the greater Columbus, Ohio area since 2015 including Columbus, Dublin, Powell, Westerville, New Albany, Upper Arlington, Worthington, Gahanna, and more, in person and virtually.
