We are a unique ability team of passionate professionals who help our clients enjoy their wealth, using a refined retirement planning solution.

Simply stated, the Happiness in Retirement program are the tools and techniques the Del-Sette team uses to help our clients enjoy what matters most to them.  There are two distinct phases of the program, with unique planning needs in each. 

Phase one is the Growth Phase, and it occurs when families are focused on building wealth and achieving financial stability.  Goals vary depending on individual circumstances, but the focus remains on building a solid financial foundation for future security and prosperity.  It also is a period of personal and professional growth and accomplishment.  If you are in this phase, your planning and communications will be tailored to you, because your planning needs differ from those in phase two.

Phase two of the Happiness in Retirement Program is the Enjoy Phase, and it’s the period in which families begin to spend the wealth they have accumulated during their working years to fulfill on their life planning vision.  The decumulation phase involves balancing the desire for financial security with the need to enjoy retirement, making it essential to periodically review and adjust plans as circumstances change.  Also, our communications and planning will be tailored to your needs in this phase.
 
Our goal is to get our clients to phase two as quickly as possible and perhaps influence their life to keep them enjoying that phase as long as possible.  In the words of author Peter Attia, we want our client’s healthspan, or the healthy retirement years, to make up most of their lifespans. I should mention that it’s also a success if you make it to phase two but decide to stay in phase one, in a work optional lifestyle, doing work that gives your life meaning.

If we can get young people into phase one early on, time can work it’s magic.  It’s one of the most important variables when it comes to saving, investing and making a difference in lives.  It’s why we encourage our clients to enroll their kids in our program.

We strive to incorporate information from other disciplines, such as the health sciences, positive psychology and life planning into our financial and tax planning work, while referring to professionals, technology, materials and programs in other fields when we think it might help you enjoy your journey. We encourage our clients to please share information with us that they find useful as well, so that we might share it and benefit.   

How do you know if you are “winning” in each phase?  We have a scorecard to help measure your progress, and rules to help ensure your success.  

Reporting, success metrics, and communications are tailored to you according to which phase of the Happiness in Retirement program you are in. I believe that the combination of the unique ability team at Del-Sette Capital, with the tools of the Happiness in Retirement program will give you the best shot at financial and life success, however you define it.