The Crosspoint Approach

The Freedom to Live Framework

A structured approach for current and prospective retirees transitioning from saving to spending — with confidence.

We specialize in the retirement risk window: the 5–7 years before and after retirement. Our framework addresses not only the numbers, but the emotional realities of stepping into the life you've worked decades to build.

Layer

What We Address

Key Insight

01

Build the Financial Floor

Eliminate fear before unlocking spending

SS / Pensions Cash Buffers Reframing Success

Guaranteed income plus a 2–3 year cash buffer removes the subconscious reason to underspend. Once essential needs are covered unconditionally, portfolio assets are psychologically freed for living.

02

Reframe the Identity of Money

Shift from accumulator to intentional spender

Money's Utility Dying Rich = Failure What to Leave Behind

After 30+ years of saving, the portfolio became the goal. Your role now is to make life the goal. Spending intentionally on travel, family, and experiences is the return on decades of discipline — not a betrayal of it.

03

The Intentional Spending Structure

Three named buckets remove the guilt

Non-Negotiables The Life You Want Leaving a Legacy

When spending has a pre-approved category that prioritizes travel, experiences, hobbies, or extra time with family, it stops feeling like depletion. It starts feeling like the plan working.

04

The Capability Window

Health depreciates faster than a portfolio

Peak Years Reflective Years Legacy Years

The biggest retirement risk is running out of life while waiting for permission to live it. Peak years of active travel and experience narrow before reflective and legacy years arrive. Deferral has a real cost.

05

The Ongoing Review

Reorient every meeting around living well

Memorable Moments Missed Opportunities Pre-Authorization

Replace "are we on track?" with "are we spending time and money on what we love?" Every check-in audits experiences had, identifies what was avoided, and pre-authorizes future priorities.

The Next Step

Build the plan that gives you permission to live the life you saved for.

A conversation with our team is the starting point — no pressure, no presentation, just a chance to see if our framework fits your situation.

Get Started

Financial planning tailored to your life, your goals, and your values.

Your 'why' is our compass. Together, we’ll craft a financial plan that's truly your—rooted in empathy, built for real life, and dedicated to your family's future.

 Our Process

starting with CrosspoinT

Before you become a client, you’ll schedule an Kickoff Call with a member of the Crosspoint team to see what working with us is like. We’ll get to know you, determine what you're looking to accomplish, and assess our professional fit.

After you sign the necessary documents to become a client, we'll begin working through the Crosspoint planning process.

Our SYstem

We start by getting to know you — your motivations, your "why" — then walk through every part of your financial life together (income, assets & investments, taxes, and security) so nothing gets overlooked. By the end, you'll have a clear plan you can actually act on.

Implementation

Once we've collaborated on your plan, we implement the Crosspoint process across your entire financial life. That means letting us handle the technical side — tax-efficient withdrawals, sequence-of-return risk, healthcare costs, and estate considerations — so you can live your life with peace and clarity.

How Often Do We Communicate?

We believe a financial plan is a living strategy, not a static document. Because your life changes throughout the year, our communication is proactive, structured, and continuous.

Regular Strategic Reviews: We meet systematically throughout the year for focused check-ins to review your strategy, map your retirement income, and ensure your plan is perfectly aligned as your life evolves.

Proactive Tax Planning Sessions: We connect ahead of critical deadlines to identify forward-looking tax opportunities—like Roth conversions or income optimization—ensuring your plan stays highly tax-efficient.

Ongoing Access: You don't have to wait for a scheduled meeting to get answers. We are your dedicated financial quarterback, meaning we are available whenever you face a major life transition, a big financial decision, or simply need peace of mind.

From First Call To Action

01 See If We're a Fit Optional

02 Kickoff Let's get started

03 Income

04 Investments

05 Taxes

06 Security

07 Action

The Crosspoint Difference

Before we look at your portfolio, we look at your life story. We build highly customized retirement roadmaps designed to help you live intentionally, on your own terms.

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