7 Levels of Retirement Planning

Click on a box to read more about that level.

Level 1/Red:

You have negative net worth and negative cash flow (you are monthly “in the red”); extreme example is bankruptcy.

Level 2/Brown:

You have negative net worth, but positive cash flow; you have stopped the bleeding.

Level 3/Black:

You have positive net worth and positive cash flow; you are monthly “in the black”.

Level 4/Bronze:

You are 1/3 done with your RP, you have extra money to invest in something?

Level 5/Silver:

You are 2/3 done with your RP, you have finalized your basic insurance needs and savings and estate planning.

Level 6/Gold:

You are 3/3 or “fully” able to retire, but you don’t have enough “buffer” or confidence to do so.

Level 7/Legacy Blue:

You are “in retirement”, even if working, since you have so much buffer that you are only doing work you love for people you love (living your Legacy), and you have a plan in place to protect and leave your Legacy to the next generation.

Securities, fee-based, and asset management services offered through LPL Financial, a Registered Investment Advisor, member FINRA/ SIPC, America's No. 1 independent brokerage firm.* Trust services offered through The Private Trust Company N.A., an affiliate of LPL Financial. *Based on total revenues, as reported by Financial Planning magazine, June 1996-2011.

Though our fixed insurance agents are licensed in all 50 states, our LPL Financial registered representatives associated with this Web site may only discuss and/or transact securities business with residents in the states in which they are licensed. Jon Dewar, the LPL Branch Manager is licensed in the following states: Alabama, Arkansas, California, Colorado, Florida, Iowa, Indiana, Massachusetts, North Carolina, New Jersey, New York, Ohio, South Carolina, and Virginia.

LLG Financial Wealth Management & Planning is independent of LPL Financial.