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The R.I.G.H.T. Planning Process

The R.I.G.H.T. Planning Process

There are several important areas to address when planning for retirement. To be certain that we cover each of these areas with every person we serve, we've created a name for our planning process that serves as a "checklist" that we can use when meeting and working with our clients.


The R.I.G.H.T. Planning Process allows us to clearly and thoroughly communicate these important aspects of retirement planning with you.

R - Risk

Knowing your comfort level around risk is critical to putting together a personalized retirement plan. We conduct a risk analysis so the plan we create is consistent with your risk tolerance, personality and goals.

I - Income

The quality of your retirement can be based on how you answer two questions:

1. How much guaranteed lifetime income do you have? (e.g., Social Security, pensions, etc.) If these do not satisfy your monthly income goals in retirement, then you should consider additional income to bridge that gap.

2. Have you considered and/or planned for potential risks to your retirement income? (health care costs, taxes, inflation, unexpected expenses)

G - Growth

Even though it can make sense to put an emphasis on preservation as we enter retirement, it's still important to consider having a proper percentage of your portfolio dedicated to growth to help keep pace with inflation, possible future tax increases and unexpected expenses.

H - Health Care

Health care expenses can arise unexpectedly and are also a BIG unknown as we age. From in-home care to assisted living and nursing facilities, it is a wide spectrum of care and cost to be aware of when planning. It's important to consider in advance who you wish to provide this care and how you wish to pay for these services.

T - Taxes

For some retirees, taxes can be the single greatest expense during retirement. With the help of a strategic tax professional planner, we work to create strategies that can potentially reduce your tax burden and help keep more of your hard-earned dollars.

"Experience has taught me that most people don't need more money, they need a better plan"


Dennis Kagel, ChFC®, IAR

Chartered Financial Consultant

Investment Adviser Representative

The ChFC® mark is the property of The American College, which reserves sole rights to its use, and is used by permission.

Our Services

Retirement Income Strategies

Unlike the working years, where you’ve likely drawn a regular paycheck, at retirement it’s time to pay yourself. Are you ready to tap into your savings in a strategic way so that you continue to create an income stream you won’t outlive? We can help.


Annuities are financial tools that can help you create a stream of income that you can’t outlive. But today’s annuities aren’t like those of your parents or grandparents. There are many ways to tailor annuities to fit your needs. We’ll help you compare your options.

Asset Preservation Strategies

We keep our eyes on the horizon so you can enjoy your retirement. We’ll design a strategy to help you minimize risk: including the risks of market loss, inflation or liquidity (not having cash accessible when you need it).

Life Insurance

Life insurance can play an important role in an overall financial strategy — both to help protect yourself and your loved ones should the unthinkable happen and in some cases to help preserve your assets for future generations.

Tax-Efficient Strategies

Taxes can take a bigger bite out of your retirement income — or your legacy — than you may be expecting. We can help you develop tax-efficient strategies that fit your overall financial plan, so more of your hard-earned dollars go to you and your loved ones.

IRA Legacy Planning

How you approach your financial planning today defines what your legacy to your loved ones will look like after you’re gone. We can help you understand and employ strategies to help ensure your assets are passed to those people or causes you love.

Wealth Management

We offer a suite of services to affluent clients who are looking for a holistic approach to their financial future, all in one place. We’ll help you with comprehensive guidance to help reach the goals and dreams you’ve been envisioning.


Whether you prefer to “set it and forget it,” or you want to more actively participate in your investments, we can help you design an investment strategy that matches your risk tolerance and goals. And we know that risk tolerance changes as life happens — so we plan for that, too.

We can also refer you to professionals who provide the following services:

  • Trusts

  • Probate

  • Charitable Giving

  • Estate Planning

  • Tax Planning

Investing involves risk, including the potential loss of principal. Insurance products are offered through the insurance business Dennis Kagel Financial Services. Dennis Kagel Financial Services is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Dennis Kagel Financial Services are not subject to Investment Adviser requirements. AEWM and Dennis Kagel Financial Services are not affiliated companies.

Neither the form nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Investing involves risk, including the potential loss of principal. Dennis Kagel Financial Services is not affiliated with or endorsed by the U.S. Government or any governmental agency.

Dennis Kagel Financial Services has a strategic partnership with tax professionals and attorneys who can provide tax and/or legal advice.

Take the First Step Today

It’s never too early — or too late — to take control of your financial future, so you can enjoy life on your terms. Get started today by scheduling a meeting or registering for an upcoming event.

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