Paul & Nina— it’s time.
You’ve done the hard part. You’ve saved, you’ve planned, you’ve shown up. Now it’s time to put it all together. Here’s your personalized retirement roadmap.
Prepared by Ryan P. Rech, CRPC® · February 2026 · Confidential
Where You Are Today
Your Retirement Journey
Everyone's path is different, but the stages are universal. Click any stage to explore what's ahead.
Growth Phase
10–20 years out · Your current stage
What matters most
Accelerating savings, optimizing asset allocation, catching up on retirement contributions.
Key risks to watch
Concentration risk, ignoring estate documents, not stress-testing your plan.
Smart planning right now
Max out all tax-advantaged accounts, review beneficiaries, and start modeling retirement income needs.
Your Personalized Snapshot
The Numbers That Matter
Current Net Worth
$2mm
Target Retirement Income
$10,000/mo
Years to Retirement
15
Est. Tax Savings Opportunity?
$4,100,000
Monthly Savings Rate
Current
$2,042
Optimized
$0
+$1,216/mo by maxing both 401(k)s and adding Roth IRA contributions for Paul & Nina ($7,000 each)
Plan Success Probability
Monte Carlo simulation across 1,000 market scenarios. 82% meets your $10,000/mo target through age 95.
The 5 Parts of Your Plan
Your retirement isn’t one thing. It’s five.
Each pillar has been evaluated specifically for Paul & Nina. Click any card to see your personalized action items.
Income Plan
Retire at 62 with $10,000/mo net income
Investment Plan
Consolidate accounts and align strategy with retirement goals
Tax Plan
Maximize tax-advantaged savings now while in lower bracket
Insurance Plan
Long-term care gap analysis and healthcare bridge planning
Estate Plan
Get foundational estate documents in place
Your Deliverables
Here’s exactly what we build for you.
No guessing. No vague advice. Real documents, real strategy, real accountability.
Written Financial Plan & Retirement Outlook
Investment Policy Statement & Portfolio Design
Year-by-Year Retirement Income Roadmap
Tax Optimization Strategy
Healthcare/Medicare Bridge Plan
Estate Planning Checklist & Coordination
Ongoing Review Schedule (Quarterly)
Your Action Items
What’s on the list
We’ll work through these together. Some happen in week one. Others unfold over the coming months. Either way, nothing falls through the cracks.
Tax & Savings
Max out both 401(k) contributions ($23,000 each + catch-up when eligible)
Add Roth IRA contributions for Paul and Nina ($7,000 each annually)
Begin Roth conversion strategy in current lower bracket
Review estimated tax payments and withholding
Investing
Consolidate accounts into a unified managed strategy
Rebalance to target allocation aligned with 15-year retirement timeline
Review and update investment policy statement
Implement tax-loss harvesting where applicable
Estate & Insurance
Update beneficiary designations on all accounts
Consider estate planning needs — trust, titling, legacy goals
Review and update Will, Power of Attorney, and Living Will
Conduct long-term care gap analysis
Build a healthcare bridge strategy from 62 to Medicare at 65
How This Works
From here to retirement
A clear path with built-in momentum. No ambiguity, no waiting.
You said yes
CompleteDiscovery is done
We sat down, asked the hard questions, and gathered everything we need to build your plan.
Here's your plan
You are hereYou're here right now
You're looking at it. Every recommendation was built specifically for Paul and Nina.
We implement
Starting within 30 days
Account consolidation, contribution increases, Roth strategy, and beneficiary updates — we handle it all.
We monitor
Ongoing, quarterly check-ins
Life changes. Markets shift. We stay in front of it with proactive reviews and adjustments.
You retire on your terms
Age 62. $10,000/mo. On schedule.
This is the goal. Everything we do points here.
What This Costs
Straightforward pricing
We use a tiered fee schedule that decreases as your portfolio grows -- meaning the more you invest with us, the lower your overall rate. Your Premier planning package is included at no additional charge. No hidden fees, no proprietary products, no surprises.
Next Steps
You’ve done the work. Let’s make it official.
No pressure. No pitch. Just a conversation about whether this plan makes sense and what happens next.
Your Advisor
Ryan P. Rech, CRPC®
After nearly 15 years at large global firms, Ryan founded Breakwater Wealth Management in 2015 to do things differently — putting clients first, free from company agendas and sales quotas. With over 20 years of experience and partnered with LPL Financial (the largest independent broker-dealer in the country), Ryan works exclusively with clients approaching or navigating retirement. He holds the Chartered Retirement Planning Counselor (CRPC) designation and lives in Jacksonville, FL.
"My job isn’t to sell you something. It’s to build you a plan that actually works — and then help you stick to it."
This proposal is confidential and prepared for Paul & Nina only. All projections are hypothetical and based on historical averages. Past performance does not guarantee future results. The plan success probability is based on Monte Carlo simulation and is not a guarantee. Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC. Breakwater Wealth Management and LPL Financial are separate entities.