Our Process
Our Process for Retirement Planning & Investment Management
At Obsidian Wealth Advisors, we believe your retirement plan should feel clear, coordinated, and aligned with your goals. Our process is designed to help you feel confident in how your investments, income, and taxes work together — and to build a long‑term relationship where you feel like part of our family.
Step 1: Introductory conversation
A friendly, no-pressure call to get to know you, your goals, and your current financial picture. This is where we explore your priorities, concerns, and what matters most to you.
Why it matters: Understanding your unique situation helps us provide guidance that fits your life, not a cookie-cutter plan. The introductory call gives both Obsidian & potential clients a chance to determine if a planning relationship is a fit.
Step 2: Gathering Your Information
We collect the details we need to see the full picture: account types, investments, income sources, and tax considerations. This gives us the foundation to create a plan tailored to your goals.
Why it matters: The more we understand your situation, the better we can explore strategies that are appropriate and practical.
Step 3: Developiong your personalized plan
We create a coordinated plan that looks at your investments, retirement income, taxes, and potential strategies like withdrawal sequencing or charitable giving. We explain the “what ifs” so you can see how decisions affect your plan.
Why it matters: You’ll have clarity on your options and confidence in the steps ahead.
Step 4: Implementing the plan
Once you’re comfortable with the plan, we help put it into action. That includes coordinating accounts, aligning investments with your plan, and establishing ongoing check-ins.
Why it matters: A plan is only useful if it’s implemented in a way that reflects your goals and comfort level.
Step 5: Ongoing Monitoring & Guidance
Life changes and markets move — we stay by your side. We review your plan and portfolio regularly, make adjustments as needed, and are always available to answer questions or address concerns.
Why it matters: Retirement planning is a journey, not a one-time event. We help ensure your plan continues to support your goals over time.
Have a question or want to explore your retirement planning options? We’re here to help every step of the way.