PROPRIETARY
PROCESS
The Phillips Wealth
Process
Retirement decisions carry real weight — financially and personally.
Most people don’t lack options. They lack clarity and a clear process to connect everything.
The Phillips Wealth Process changes that.
It replaces guesswork with a simple, step-by-step framework that shows where you are, what’s possible, and how your income strategy comes together over time.
No pressure. No confusion. Just a clear path forward with confidence.
01 ALIGN
Determining if there’s a fit
A brief, focused conversation to understand your current situation and what prompted you to reach out. This step is about clarity and fit — not selling.
We look at where you are today, what you’re trying to accomplish, and whether there’s alignment to move forward into a deeper planning process. If it doesn’t make sense to continue, we’ll tell you directly.
02 DISCOVER
Understanding what
matters most
A deeper, structured conversation focused on your goals, concerns, and full financial picture — both present and future.
This is where we take time to understand what retirement needs to look like for you. That includes income expectations, lifestyle priorities, concerns about risk, taxes, healthcare, and any gaps you feel uncertain about.
We also identify what may be working well — and what may need to be improved or coordinated.
03 Design
Building a structured
strategy
We take everything from the discovery process and build a coordinated retirement income strategy.
This is where your assets, income sources, tax considerations, and long-term objectives are organized into a clear, structured plan. The goal is to simplify complexity and show how everything works together.
Rather than isolated decisions, you see a unified strategy built around income, stability, and long-term sustainability.
04 Implement
Turning strategy
into reality
We put your strategy into action through a coordinated implementation process, ensuring everything is aligned with the plan.
This may include account adjustments, product or strategy changes, and coordination with other professionals where needed. Once implemented, the plan is not left alone — it is monitored and reviewed over time.
As your life changes, your strategy is adjusted accordingly to stay aligned with your goals.
What Clients Gain From This Process
After completing this process, clients experience:
Organization — Everything structured, aligned, and working together
Clarity — A clear understanding of their financial position and direction
Confidence — Decisions made with purpose, not hesitation
Income Visibility — A defined path toward sustainable retirement income
Continuity — A plan designed to adapt as life changes
Start With Clarity
You don’t need to have all the answers before starting.
The first step is a simple conversation to understand where you are—and whether this process is the right fit for you.
If there’s alignment, you’ll walk away with a clearer perspective and a structured path forward.
Quicklinks
Advisory services are offered through Asset Investment Solutions, an independent Registered Investment Advisor (RIA). Scott Phillips is also affiliated with Gradient Investments, LLC and RedHawk Investment Management, LLC, both registered investment advisors. Assets are held with Charles Schwab & Co., Inc., an independent custodian.
The information provided on this website is for informational purposes only and does not constitute investment, legal, or tax advice. Investing involves risk, including the potential loss of principal.
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