Think "ReHirement," Not Retirement.

We call the point in time when you have enough in savings to fund your living expenses through projected mortality Critical Stewardship Mass.

Note that it is not a net worth goal. Nor is it a goal to live on 90% or 80% or 75% of your highest income earning years for the rest of your life, as is so commonly heard in financial advice.

Instead, it’s a realistic goal to convert enough of your earnings and assets into savings that will meet your living expenses until you die. We calculate that number based on what you project your living expenses will be once you decide to retire.

And along the way of helping our clients reach Critical Stewardship Mass, we are helping them re-think their lives in terms of “ReHirement,” not retirement.

Once they have enough in savings to live on, all clients have gifts, talents, experience, and so much more to give to their family, friends, communities, young professionals or executives or in their fields, charities or other non-profit interests, and so forth. The opportunities to serve and give are virtually endless in a world where needs are endless.

Our planning process helps clients discover the deeper reasons and motivations why they want more wealth, success, net worth, possessions, or savings that far exceed what they need to live on until death.

In the process, they discover the ineffable value of relationships and discover their deeper selves and deeper meaning in life. In other words, we help them discover the inestimable value of relationships.

And in the process, we help our clients discover why they become so anxious and fearful over their perceived lack of money, security, wealth, or whatever it is they think will give them peace of mind about the future. We help them cultivate realistic perspectives and goals, and then develop practical plans to reach their goals.

To put it in a nutshell, we have the great privilege of helping our clients discover the joy of valuing their relationships with their loved ones, with their neighbors and communities, with themselves, and with the world of things more than they value the “things” themselves — that is, more than money, wealth, safety, security, acquiring, possessing, net worth, profit, you name it.


We at BRS believe stewardship is about relationships. Careers, reputation, financial stability, and personal goals are all important pursuits. However, none should come above our relationships with family, friends, and our community. Our relationships are the cornerstone by which we leave a positive impact and lasting legacy.

Put Relationships First

Sixteen Threats to Your Retirement

Ancient wisdom tells us that a prudent steward sees danger and takes refuge, but the unwise ignore it and suffer for it.

Seeing potential dangers and taking refuge is at the heart of effective risk management and mitigation. At BRS, we are passionate about helping our clients avoid unnecessary risks.

We apply help our clients avoid:

Unnecessary taxes on:

1.  Capital gains

2.  Estate

3.  Gifts

4.  Income

Unnecessary market risk from:

1.  Debt crisis

2.  Global events

3.  Natural disasters

4.  Recession/Depression

Unexpected, premature life events due to the four deadly “Ds”:

1.  Divorce

2.  Disability

3.  Disease

4.  Death

Unnecessary asset class risk to creditors and predators creating:

1.  Judgments

2.  Lawsuits

3.  Louse spouses

4.  Unprotected assets

We work with our clients and very often with their other advisors and consultants, such as their tax attorneys or accountants, their insurance agents and financial advisors, to help ensure that all risks have been assessed, reviewed, and mitigated to the maximum extent possible.

We call this kind of comprehensive, integrated planning the “Ultimate Dress Rehearsal.” Watch this video to understand more about it:

 


We at BRS believe stewardship is about relationships. Careers, reputation, financial stability, and personal goals are all important pursuits. However, none should come above our relationships with family, friends, and our community. Our relationships are the cornerstone by which we leave a positive impact and lasting legacy.

Put Relationships First

Managing the Threats That Could Affect Your Retirement

We integrate risk management assessment into a comprehensive life stewardship plan.

Two of the central tenets of our planning process are diversified construction of each client’s savings portfolio with risk management.

We believe that thinking and acting for the long-term is absolutely essential, and it is at the heart of our client service and savings portfolio stewardship process.

We expend considerable energy and time with our clients to help them transform their anxieties and fears into trust-driven behaviors and decision-making with their investments and savings. If we can help them think long term in their goals and develop the discipline of utilizing “time arbitrage” and wise risk management to their advantage, we believe we have served our clients well.

 

Our planning process and the software we use encompasses all of this. To see more, watch this video:

 

With a constant focus on risk management integrated with life stewardship goals, we consistently help our clients balance shifting short-term fears with longer-term needs and objectives. This helps our clients develop the discipline to stay on track and committed to their plans.

Clients who practice BRS’s planning fundamentals find that they have greater success in reaching their goals than those who act on their emotions or make frequent changes based on current events of the day and shifting tides in the markets.

We help our clients consistently integrate risk management with their planning goals. We have designed a savings, investment, and risk management approach that allows our clients to focus and leverage on the long-term, without allowing volatility and the inevitable drops and rises in the markets to interfere with our clients’ decision-making processes.


We at BRS believe stewardship is about relationships. Careers, reputation, financial stability, and personal goals are all important pursuits. However, none should come above our relationships with family, friends, and our community. Our relationships are the cornerstone by which we leave a positive impact and lasting legacy.

Put Relationships First