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Your Income Style (RISA®)

How we use your income style

Your style is where the plan starts. It isn’t where it ends.

  1. 1

    We read your results together

    We go over what you told us, and check whether it sounds like you. If it doesn’t, we adjust.

  2. 2

    We look at the numbers

    Your style tells us what matters to you. Your numbers tell us what’s possible. We look at both: what you own, what you need each month, and what could get in the way.

  3. 3

    We talk through the options

    Different styles lead to different approaches. We walk through the ones that fit you, and what each costs you in flexibility, growth or certainty.

  4. 4

    You decide

    You take the plan home and decide on your own timeline.

An example

An example

Hypothetical example, for illustration only. Not an actual client.

Take a couple in their early sixties, a few years from retiring. One of them tests as Income Protection: they sleep best knowing the essentials are covered no matter what the market does. The other tests as Total Return: they’re comfortable riding out volatility for growth. Their plan splits the difference: a base of contractually guaranteed income covers the essential bills, and the rest stays invested for growth and flexibility. Neither partner has to compromise on how they feel about risk.

Start with a RISA® assessment

RISA® and Retirement Income Style Awareness® are registered trademarks of RISA, LLC. Scott Sullivan, RICP®, CLU® and Bay Point Financial is a licensed user of the RISA® assessment framework and methodology developed by Dr. Alex Murguía and Dr. Wade Pfau. RISA® scores and profile reports are intended for financial planning education and strategic style identification; they do not constitute a specific recommendation or guarantee of financial performance.