— The methodology —
A proprietary four-step process for coordinating investments, taxes, income, insurance, and estate planning into one integrated retirement strategy.
— The direct answer —
The Retirement Blueprint is Avinci Wealth Management's proprietary four-step process for coordinating investments, taxes, retirement income, insurance, and estate planning into one integrated strategy. Built for California families with $500,000 to $5 million in retirement assets.
— Lindahl Lucas, Founder · CRD#327780
— What it is —
Most affluent retirees we meet don't have a retirement plan. They have a 401(k) here, an IRA there, a Social Security strategy they'll figure out later, an old life insurance policy, a trust they signed in 2009 that may or may not be funded. Each piece was set up by a different specialist, in a different decade, for a different reason.
The Retirement Blueprint is the named methodology Avinci uses to fix that. It is a four-step process that brings every piece of your financial life under one coordinated strategy. Your tax planning supports your income plan, your income plan supports your investment allocation, your investment allocation supports your estate plan, and your estate plan supports your family.
It is not a product. It is not a software tool. It is a thirty-page document plus a meeting cadence, built and refined by a CFP® who has been doing this for forty years. Not delegated to a junior associate or a robo-allocator.
— The methodology —
Before we recommend anything, we collect everything. Statements, tax returns, estate documents, insurance, and Social Security records.
We model your full picture in Income Lab, the planning software we license. Scenarios cover markets, longevity, healthcare, and Roth conversions.
We translate the modeling into four clear answers. No jargon, no software outputs. A written document you can read in 30 minutes that tells you exactly where you stand.
A Blueprint isn't a one-time deliverable. We meet quarterly to review and reposition as tax law, markets, and family circumstances change.
— What gets coordinated —
Most advisors specialize in one area. We coordinate all five — because the gap between them is where retirement plans fail.
01 / Investment Management
Asset allocation built around your specific retirement income needs, not a generic risk-tolerance questionnaire. Tax-aware asset location across taxable, tax-deferred, and Roth accounts. Annual rebalancing with sequence-of-returns awareness.
02 / Tax Planning & Roth Conversion
Multi-year federal and state tax projection. Roth conversion windows identified during low-income years. Required minimum distribution planning. Charitable giving structures. Direct coordination with your CPA.
03 / Retirement Income Planning
Social Security claiming optimization. Pension election decisions. Withdrawal sequencing across account types. Annuity evaluation when appropriate. Bond ladder construction for income certainty in early retirement years.
04 / Estate Planning & Trust Funding
Beneficiary designation audit on every account. Trust review and funding verification. Stretch IRA strategy under SECURE Act 2.0. Cross-state estate tax planning when relevant. Coordination with your estate attorney.
05 / Insurance & Annuities
Life insurance review and consolidation. Long-term care planning. Disability income adequacy. Annuity evaluation — sometimes the right tool, often not. Healthcare gap coverage for early retirees pre-Medicare.
— What you walk away with —
01 / The Document
Plain English. Every assumption documented. Refreshed annually. Yours to keep — not locked in proprietary software.
02 / The Cadence
Sixty to ninety minutes with Lindahl directly. Not a fifteen-minute check-in with a junior advisor. We review, refine, and reposition with you.
03 / The Dashboard
Live projections updated whenever you want to model a decision. What if I retire two years early? What if my parents need long-term care? Run it yourself or with us.
04 / The Access
Email, phone, in person. No call center, no rotation of associates, no waiting two weeks for a callback. The advisor who built your Blueprint is the advisor who answers.
— What changes —
— Common questions —
Families with $500,000 to $5 million in retirement assets who are within ten years of retirement or already retired. They want one advisor coordinating the whole picture rather than five specialists handing them five separate plans. We work primarily with California families across Los Angeles, Santa Clarita, Beverly Hills, and Ventura counties.
We are fee-only fiduciaries. Most clients pay an annual fee calculated as a percentage of assets under management, which covers the Blueprint construction, quarterly meetings, ongoing investment management, and all coordination. There are no commissions, no product sales, no kickbacks. Specific fees are disclosed in writing before any engagement begins.
From first meeting to delivered Blueprint document: typically four to six weeks. That breaks down as one to two weeks gathering documents, two to three weeks modeling and building, and a final review meeting where we present the snapshot. Implementation of recommendations happens over the months that follow.
Not for the first Strategy Session. We're happy to review your current situation and tell you whether the Blueprint would change anything material, regardless of where your accounts are held. If we engage, most clients eventually consolidate so we can manage as one coordinated portfolio. That's a conversation, not a requirement at the start.
A CPA optimizes your tax return. A wirehouse advisor manages your investments. A trust attorney drafts your documents. Each is excellent at their specialty. The Retirement Blueprint is what happens when one fiduciary sits in the middle of all of those professionals and makes sure their recommendations don't contradict each other. Because they often do.
Quarterly strategy meetings with Lindahl directly. Annual full refresh of the Blueprint document. Re-modeling when life events change the picture: a sale, an inheritance, a health event, a tax law change. The Blueprint isn't a deliverable, it's a living strategy that gets updated as your life and the world around it changes.
— Thirty minutes · No pitch · No pressure —
For more information about our services or to discuss your retirement strategy, schedule a Retirement Blueprint Strategy Session today. Thirty minutes. No pitch. No pressure.
Or call us at 888-855-2612
