— The Methodology —

The Retirement Blueprint.

A proprietary four-step process for coordinating investments, taxes, income, insurance, and estate planning into one integrated retirement strategy.

Schedule a Strategy Session → See How It Works

— A Named Methodology · Four Decades in Financial Services —

Engraved plate of classical Roman sculptures, vases and architectural friezes

— 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 approaching or in retirement who want their entire financial life coordinated under one strategy rather than managed in pieces.

— Lindahl Lucas, Founder · Avinci Wealth Management, Inc.

— What It Is —

Most retirement plans aren't plans. They're collections of accounts.

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 fiduciary adviser with four decades in financial services, insurance-licensed since 1987 and securities-licensed since 2005. Not delegated to a junior associate or a robo-allocator.

For a closer look at how these decisions interact in practice, read our published insights on coordinated retirement planning.

— The Methodology —

Four steps. One integrated strategy.

Gather the financial picture.

Before we recommend anything, we collect everything. Statements, tax returns, estate documents, insurance, and Social Security records.

All retirement and brokerage accounts
Three years of federal and state tax returns
Trust, will, and beneficiary designations
Life, disability, and long-term care policies

Build the Blueprint.

We model your full picture in Income Lab, the planning software we license. Scenarios cover markets, longevity, healthcare, and Roth conversions.

Income Lab Monte Carlo projection
Roth conversion window analysis
Social Security claiming optimization
Healthcare and long-term care modeling

Create the clear snapshot.

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.

Will I run out of money?
When can I safely retire?
What happens if the market drops 40%?
What is my projected tax bill across retirement?

Refine and personalize.

A Blueprint isn't a one-time deliverable. We meet quarterly to review and reposition as tax law, markets, and family circumstances change.

Quarterly strategy meetings
Annual full Blueprint refresh
Life-event re-modeling (sale, inheritance, health)
Tax law change updates

— What Gets Coordinated —

Five disciplines. One advisor coordinating them all.

These five are usually handled as separate engagements. We coordinate all five, because the gap between them is where retirement plans fail. Together they form the key components of a comprehensive retirement plan.

01 / Investment Management

Allocation aligned to income, not generic risk.

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

A multi-year tax strategy, not an annual return.

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

A paycheck strategy for the next thirty years.

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

Documents that are actually funded.

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

The policies you need, none you don't.

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.

— The Point —

The coordination is the product.

Any one of these can be bought on its own. The Blueprint is the discipline of making them agree with each other, year after year. See how a coordinating financial advisor works.

— What You Walk Away With —

A document. A meeting cadence. Clear answers.

01 / The Document

A thirty-page written Blueprint.

Plain English. Every assumption documented. Refreshed annually. Yours to keep, not locked in proprietary software.

02 / The Cadence

Quarterly strategy meetings.

Sixty to ninety minutes with Lindahl directly. We review, refine, and reposition with you.

03 / The Dashboard

Income Lab portal access.

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

Direct line to your advisor.

Email, phone, in person. The advisor who built your Blueprint is the advisor who answers.

— What Changes —

Before the Blueprint vs. after.

Without a Blueprint

Five disconnected accounts at five institutions, none aware of the others.
A vague sense you should be doing a Roth conversion, but no analysis showing when, how much, or whether it makes sense.
A trust signed years ago that may or may not be properly funded.
Social Security claimed at 62 or 67 because that's what your neighbor did.
A life insurance policy you've been paying premiums on for twenty years without remembering why.
A market drop sends you to Google at 11pm wondering if you'll be okay.

With the Blueprint

Every account on one statement, coordinated under one strategy.
A multi-year Roth conversion plan with specific amounts, specific years, and the tax math behind every conversion.
A trust review with funding verified and beneficiary designations audited annually.
A Social Security claiming strategy modeled against life expectancy, spousal benefits, and tax brackets.
An insurance audit: keep what protects you, drop what doesn't, consider what you're missing.
A market drop triggers a planned response, not an 11pm panic. The plan accounted for this.

— Common Questions —

What people ask before they engage.

Who is the Retirement Blueprint built for?

Families approaching or in retirement, typically within ten years of retiring or already retired, who 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.

How much does the Blueprint cost?

Avinci is a fee-based fiduciary. Advisory fees on managed accounts are charged as a percentage of assets under management and cover the Blueprint construction, quarterly meetings, ongoing investment management, and all coordination. The specific schedule is disclosed in writing in Form ADV Part 2A before any engagement begins. When an insurance or annuity product is appropriate, it is offered through our affiliate Lucas Insurance Services, which pays a commission that is disclosed in writing before anything is placed.

How long does the Blueprint process take?

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.

Do I need to leave my current advisor?

Not for the first Strategy Session. We are 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 is a conversation, not a requirement at the start.

How is this different from a financial plan from a CPA or other wealth firm?

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 do not contradict each other.

What happens after the Blueprint is built?

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 is not a deliverable, it is a living strategy that gets updated as your life and the world around it change.

What are the key components of a comprehensive retirement plan?

A comprehensive retirement plan coordinates five disciplines that most households manage separately: investment management, tax planning, retirement income, estate planning, and insurance. In a Retirement Blueprint these are built to support one another. The investment allocation is set around your income plan, the income plan is coordinated with a multi-year tax strategy, and the estate documents are verified and funded so the whole plan holds together.

How do retirement planning strategies compare for California families?

Most California families arrive with strategies chosen in isolation: a claiming age picked by rule of thumb, a Roth conversion they have heard about but never modeled, a trust that may not be funded. The Blueprint compares those choices side by side against your own numbers, so decisions about Social Security timing, withdrawal sequencing, and Roth conversions are made together rather than one at a time. California tax treatment of retirement income is modeled alongside federal strategy.

Why is integrating estate planning and trust funding important in a retirement plan?

A trust only works if it is actually funded, and beneficiary designations override the will on most retirement accounts. When estate planning sits apart from the rest of the plan, assets can pass outside the trust or trigger avoidable taxes. Inside a Blueprint, beneficiary designations are audited on every account, trust funding is verified, and the estate plan is coordinated with your attorney so it reflects the same strategy as your income and tax plan. This is not tax or legal advice; consult your CPA or attorney.

— Continue —

Three places to go next.

— Thirty Minutes · No Pitch · No Pressure —

Ready to build your Blueprint?

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.

Schedule a Strategy Session → Or call us at 888-855-2612