We start with a comprehensive financial analysis built on your cash flow and income. From there we identify where you need help and build a complete income plan for retirement, including the cost of taxes and healthcare. Then Intentional Money gives every dollar a job: income for life, cash on hand, or growth.
Every engagement starts with a comprehensive financial analysis built on your cash flow and income. It shows where you stand across five areas of your retirement and which ones need attention.
We then focus on solutions for those specific needs and use Intentional Money to decide how your savings are divided, so each plan supports the same goal: income you can count on in retirement.
A complete retirement income plan that turns savings, Social Security, and pensions into dependable monthly income. We set your desired income, decide how much of it your Income accounts should cover for life, and plan when and how you and your spouse file for Social Security.
Intentional Money in practice: once your income and liquid needs are set, the rest of your portfolio goes to growth accounts managed through OWM, our affiliated advisory firm. Available in states where OWM is registered or exempt.
Taxes are one of the largest costs in retirement. We plan the order and timing of withdrawals from taxable, tax-deferred, and Roth accounts with taxes in view.
How your assets pass to the people and causes you care about. We review beneficiary designations and coordinate with your estate attorney.
Planning for healthcare, Medicare premiums, and long-term care costs, so the retirement you want is built into the numbers.
Have Medicare enrollment questions? We refer clients to a dedicated Medicare service through Advisors Excel.
Intentional Money is the heart of how we invest. Instead of one big pile of savings, your portfolio is divided into three types of accounts: income, liquid, and growth. Each one has a single job.
How much goes into each depends on your goals and your assets, so no two plans look the same. It starts with one question: what income do you want in retirement?
What covers your day-to-day expenses, pays every bill, and keeps your current or desired standard of living.
Your vacation budget, hobby budget, and the extras that make retirement yours. Together, that's your desired income.
What share of that income do you want every year without worrying about running out? 90%? 95%?
Enough lifetime income to provide that amount for the rest of your life.
Job: pay you for life
Accounts that pay you a set amount every year for as long as you live. They cover the share of your desired income you chose, regardless of what the market does.*
Job: be there when you need it
Your under-the-mattress money. You're not expecting a big return. It's there for the car that breaks down and the expense nobody saw coming.
Job: grow over time
Once your income and liquid needs are covered, the rest of your portfolio can go into growth accounts, with time to work for your later years and the people you'll leave it to.
"Clients often ask me how much they should keep liquid. The answer is different for each person, and that's the point. Every account in your plan should be there on purpose."
Kevin Goodwin, Founder & CEO
*Lifetime income annuities are insurance products offered through Independent Life Group. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and are subject to the contract's terms, conditions, and limitations. Social Security and pension payments are set by their own rules and payers. Growth accounts involve investment risk, including the possible loss of principal, and no strategy guarantees a profit or protects against loss. Investment advisory services are offered through OWM only in states where it is registered or exempt.
Every step builds on a cash flow and income analysis, so the solutions we recommend tie back to one plan. It starts with a short phone call and no commitment.
Tell us where you are and what's on your mind. We'll tell you honestly whether we can help.
We review your cash flow, income sources, assets, taxes, and expected healthcare costs, and sort what you already have into income, liquid, and growth accounts.
From the analysis, we show you where the gaps are, such as an income shortfall, too little (or too much) cash on hand, tax exposure, or healthcare and care costs.
We focus on solutions for those needs and bring them together into one retirement income plan where every dollar has a job, reviewed with you as life changes.
An 8-page guide to the questions every pre-retiree should be asking, and the numbers worth knowing before you retire.
Overwatch Financial is an independent retirement planning practice based in Chandler, Arizona, led by Kevin Goodwin, who brings over 20 years of experience in the financial services industry. We hold seminars in Arizona, Idaho, and Montana, and plan to open an office to serve clients in Idaho and Montana. We work with pre-retirees and retirees who want straightforward guidance and a plan they understand.
Our work centers on a comprehensive financial analysis, a complete income plan, and Intentional Money, the approach behind how we invest. Investment advisory services are provided by duly licensed individuals of OWM, our affiliated firm, so your investments, insurance, and income planning can be coordinated in one place.
Small-group sessions in Arizona, Idaho, and Montana. Come with questions and leave with straightforward answers.
Seminars are educational. No specific investment or insurance products are recommended at these events.
Two of the biggest expenses in retirement, and how to plan for them as part of your income.
Get notifiedHow a cash flow and income analysis turns savings, Social Security, and pensions into a complete income plan, and how the Intentional Money approach divides savings by job.
Get notifiedTwo of the biggest expenses in retirement, and how to plan for them as part of your income.
Get notifiedOne-on-one reviews for current and prospective clients. Bring your statements and your questions.
Request timeTell us where you are and what you're thinking about. We'll tell you honestly whether we can help.
If you'd rather call directly, that works too. We answer our own phone.
We'll get back to you within one business day.
