The Relaxing Retirement Coach, Inc. (hereinafter referred to as RRC or the Firm) was founded in
2003 by John ( Jack) M. Phelps, President.
Through The Relaxing Retirement Coaching Program™, RRC provides personal retirement
coaching and investment advice to individuals and couples as described below.
The Relaxing Retirement Coaching Program™
There are two phases to The Relaxing Retirement Coaching Program™:
1. Retirement Blueprint Development
2. Retirement Blueprint Management
PHASE ONE: Retirement Blueprint Development
Step One: The Retirement Strategy Assessment™ meeting
Given your unique circumstances and priorities, your Retirement Strategy Assessment™ helps
you objectively determine if you are on the right track by helping you identify costly mistakes
you may be making and opportunities you may be missing out on.
It provides the foundation and stimulus to help you develop and maintain the supreme
financial confidence you need and deserve to make the educated decisions necessary for a
successful and relaxing retirement experience.
Step Two: The Retirement Confidence Preparation System™
The Retirement Confidence Preparation System™ provides you with the essential tools and
resources to assist you in securing and preparing the relevant personal information necessary
for you to make accurate, rational decisions about your financial future based on your unique
circumstances and priorities. To assist you, The Retirement Confidence Creator™ includes:
1. The Retirement Timeline™
2. The Retirement Bucket™
3. The Retirement Income Predictor™
4. The Lifestyle Cost Estimator™
5. The Retirement Resource Quantifier™
Step Three: Retirement Blueprint Development
A seven-point process is used to create your custom designed Retirement Blueprint™ utilizing
the relevant personal information you have assembled in The Retirement Confidence
Preparation System™.
A Retirement Blueprint™ is a custom designed plan which consists of:
1. The Retirement Resource Forecaster™
An in-depth set of forecasts based on your lifestyle priorities and agreed upon
assumptions, which illustrates (1) how much you may withdraw from your Retirement
Bucket™ of investments each year without the anxiety of running out of money during
your lifetime, and (2) the long-term investment rate of return you must earn in order
for your Retirement Bucket™ of investments to keep pace with your rising lifestyle
costs (due to inflation).
2. The Retirement Bucket Strategy™
A customized investment strategy and system designed to increase your probability
of capturing the long-term investment rate of return and liquidity you need in order
to reach your goals, while experiencing acceptable market price volatility and paying
lower taxes.
3. The Present Bucket Evaluator™
An independent, objective evaluation of your present investment holdings to ensure
that they are in line with your custom designed Retirement Bucket Strategy™.
4. The Retirement Income Synchronizer™
A strategy outlining which combination of accounts to draw income from each year of
retirement in an effort to reduce your taxes and increase your net cash flow.
5. The Income Tax Diminisher™
An evaluation of the positioning of your assets, and the way you are generating
needed cash flow, in an effort to reduce your income tax burden while maintaining
liquidity.
6. The Possessions Protector™
A system and strategy to protect your family’s desired lifestyle from life’s potential
catastrophes: (long-term illness, death, accidents, lawsuits, etc…)
7. The Probate and Estate Tax Exterminator™
A strategy for you to pass on assets at death to whom you want, when you want, how
you want, with less delay and cost from probate fees and estate taxes.
Your Retirement Blueprint™ comes with an Action Plan list of recommended steps to take. At
the conclusion of your Retirement Blueprint™ Review meeting, we evaluate those steps and
coordinate the implementation of your Action Plan.
PHASE TWO: Retirement Blueprint Management
Once a custom designed Retirement Blueprint™ has been created in PHASE ONE: Retirement
Blueprint Development, members enter PHASE TWO: Retirement Blueprint Management
in order to implement each item in your Action Plan and Retirement Bucket Strategy™, track
progress, and adhere to a disciplined strategy so that you can maintain your financial confidence in
all market conditions.
Participating in PHASE ONE: Retirement Blueprint Development does not obligate you to
participate in PHASE TWO: Retirement Blueprint Management. However, members must
participate in Retirement Blueprint Development and create a customized Retirement Blueprint™
in order to participate in Retirement Blueprint Management.
The Retirement Blueprint Management Program™ is a wrap fee program sponsored by RRC
which includes the following steps:
Step One: The Retirement Bucket Selector™
In order to fund each member’s globally diversified Retirement Bucket Strategy™, RRC
recommends cost-effective index mutual and exchange traded funds to capture market
returns within their respective investment asset class.
Step Two: Retirement Bucket Selection Review and Implementation
RRC meets with you and presents the carefully selected options from Step One - The
Retirement Bucket Selector™. At the conclusion of the meeting, RRC coordinates the
implementation of the entire program to completion,
including all necessary paperwork,
phone calls, and communications.
Step Three: The Blueprint™ Implementation Recap Meeting
Once your Action Plan has been implemented, your Blueprint™ Implementation Recap
Meeting summarizes all the steps you’ve taken to ensure that they are in line with your
Retirement Blueprint™.
We review the statements you now receive so you are comfortable, and we establish on-line
access for you to view your account holdings any time from any location.
Using The Retirement Income Synchronizer™, your supplemental income stream is established.
You receive pre-scheduled direct deposits from your Retirement Bucket™ accounts held by
your account custodian directly into your home checking account at your bank as often as you
wish. Where applicable, RRC will arrange to have federal and state income taxes withheld so
you don’t have to make quarterly tax estimate payments.
Step Four: The Annual Retirement Blueprint Reassessment™
As you have experienced over the course of your life, things have a way of changing: your
personal life circumstances, your priorities, inflation, market prices, tax laws, etc.
On the anniversary month in The Relaxing Retirement Coaching Program™, RRC evaluates the
effects of any of these changes by repeating the 7-point process used to create your original
Retirement Blueprint™ so you can continue to make educated decisions and maintain the
financial confidence you need and deserve to live the life you’ve earned.
Step Five: Retirement Bucket™ Review Meetings and Retirement
Bucket Check-Ups™
To help maintain your financial confidence during all economic climates, in addition to your
Annual Retirement Blueprint Reassessment™, you will also experience reviews throughout the
year in two formats.
Pre-scheduled Retirement Bucket™ Review meetings are conducted one-on-one with you in
our office, via Zoom, or over the telephone.
Retirement Bucket Check-Up™ packages are sent directly to you periodically depending on
your pre-arranged schedule.
In each review format, RRC evaluates your Retirement Bucket™ of investments from three
different vantage points:
1. Lifestyle Cashflow Management: to support your desired lifestyle
2. Tax Efficiency Management: for improved cash flow support, tax loss harvesting
opportunities, and asset location strategy
3. Retirement Bucket™ Rebalancing: to ensure a consistent level of risk exposure
During these reviews, Mr. Phelps reviews your allocation and progress with you with an “easy
to read” consolidated summary of your Retirement Bucket™ holdings.
In addition to receiving recommendations to maintain disciplined diversification in spite of
volatile and ever-changing markets, you are always provided with a perspective on market and
economic activity and how it impacts your Retirement Bucket Strategy™.
Fiduciary Statement
The Relaxing Retirement Coach, Inc. and its team are fiduciaries under the Investment Advisers
Act of 1940 and when we provide investment advice to you regarding your retirement plan
account or individual retirement account, we are also fiduciaries within the meaning of Title I of
the Employee Retirement Income Security Act, (“ERISA”) and/or the Internal Revenue Code,
(“IRC”), as applicable, which are laws governing retirement accounts.
We have to act in your best interest and not put our interest ahead of yours. At the same time,
the way we make money creates some conflicts with your interests. We must take into
consideration your objectives and act in your best interest. We are prohibited from engaging in
any activity that is in conflict with the interests of the you.
We have the following responsibilities when working with you:
• To render impartial advice;
• To make appropriate recommendations based on your needs, financial circumstances,
and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented
in an accurate manner and not in a way to mislead;
• To have a reasonable basis, information, and understanding of the facts in order to
provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and,
• Treat you fairly and equitably.
Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud you;
• Making any untrue statement of a material fact to you or omitting to state a material
fact when communicating with you;
• Engaging in any act, practice, or course of business which operates or would operate as
fraud or deceit upon you; or
• Engaging in any manipulative act or practice with you.
RRC will act with competence, dignity, integrity, and in an ethical manner, when working with
you. We will use reasonable care and exercise independent professional judgement when
conducting investment analysis, making investment recommendations, trading, promoting our
services, and engaging in other professional activities.
Assets Under Management
As of December 31, 2022, the assets under management for The Relaxing Retirement Coach, Inc.
are $461,906,753. All assets are managed on a discretionary basis.
The Retirement Blueprint Management Program™ allows RRC to provide investment advice
on a discretionary basis. However, virtually all investment decisions are reviewed by Relaxing
Retirement Coaching Program™ members in the review meetings described above.