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