AIM Retirement System™
Experience one of the most comprehensive retirement partnerships available. The AIM Retirement System™ seamlessly manages every aspect of your retirement, empowering you to embrace your journey with confidence, clarity, and peace of mind.
How We're Different…
Established Expertise Since 1999
With over two decades of experience, we've been delivering trusted financial guidance and solutions since 1999.
More Than CFPs – Tax and Roth Specialists
Our team combines the expertise of Certified Financial Planners (CFPs) along with a team of Certified Public Accountants (CPAs) to offer specialized strategies, particularly in tax and Roth retirement planning. You'll never hear the words "speak to your tax advisor.." because we are your tax advisor.
Exclusive AIM Retirement System
Our trademarked AIM Retirement System™ is a proven, step-by-step trademarked process tailored to help you achieve financial confidence and clarity in retirement. Scroll further to see why the AIM is one of the most comprehensive retirement partnerships in the industry.
Team-Based Support
At Cyr Financial, you dont just work with a person, you have the full support of our dedicated team, ensuring comprehensive and collaborative care for your financial journey.
In-House Portfolio Management
Our portfolios are crafted and managed by a CFA-led team of investment specialists, offering you personalized, professional investment management.
Proprietary Stock 20 Accelerator
Take your portfolio to the next level with our exclusive Stock 20 Accelerator, designed to strategically enhance your investment growth potential.
Unmatched Service
Our commitment to attentive and responsive client service sets us apart.
The AIM Advantage: What You Get
1 - AIM Retirement Blueprint
Begin your retirement journey with the AIM Retirement Blueprint – a comprehensive 30-60 day process designed to create a personalized roadmap for your financial future.
- Expert Guidance: Collaborate with our team of experienced financial advisors (CFPs, CFAs, and CPAs) to develop a customized plan.
- Comprehensive Assessment: We begin with a thorough assessment of your current financial situation, including your income, expenses, assets, liabilities, and investment portfolio.
- Goal Identification: We work closely with you to define your retirement goals, whether it’s early retirement, financial independence, or simply ensuring a comfortable and secure future.
- Retirement Stress Test: Our proprietary “what-if” analysis simulates various scenarios, such as market downturns, inflation spikes, and unexpected medical expenses, to identify potential vulnerabilities in your retirement plan. This data-driven approach helps us pinpoint areas for improvement and strengthen your plan’s resilience.
- Actionable Insights: We deliver actionable recommendations, including:
- Your Top Three Moves: The three most impactful strategies to maximize your retirement wealth over the next decade.
- Tax Planning: A detailed tax strategy, including a personalized Roth conversion plan to optimize your tax efficiency.
- Blueprint Report: Receive a comprehensive 30+ page Blueprint Report outlining your retirement timeline, financial analysis, personalized recommendations, and a clear roadmap for achieving your goals.
2 - Investment Management
We offer personalized investment management solutions tailored to your unique financial goals and risk tolerance.
- Tailored Portfolios: Our in-house team of CFA-led investment specialists construct diversified portfolios using a blend of low-cost ETFs and carefully selected individual stocks. We strategically allocate across various asset classes to achieve your desired risk/return profile.
- Cyr Financial Stock 20 Return Accelerator
- Regular Rebalancing: We proactively rebalance your portfolio on a quarterly basis to maintain your desired asset allocation and stay on track towards your financial objectives.
- Customized Cash Management: We provide cash management solutions tailored to your specific needs, ensuring your liquidity needs are met while optimizing your overall investment strategy.
- Tax-Efficient Investing:
- Tax-Efficient Asset Location: We strategically place investments within different account types (taxable, tax-deferred, tax-exempt) to minimize your tax burden and maximize after-tax returns.
- Tax Loss Harvesting: We employ a systematic approach to identify and realize tax losses, offsetting capital gains and reducing your overall tax liability.
- 401(k) Investment Guidance: We assist you in optimizing your 401(k) investment allocations to align with your retirement goals and risk tolerance.
- Access to Alternative Investments: We believe that diversifying your portfolio with alternative investments, such as non-traded real estate, can enhance returns and mitigate risk.
3 - Tax Planning
As CPAs with over two decades of experience, tax expertise is deeply ingrained in our approach. We offer a range of services to help you minimize your tax liability and maximize your financial goals.
- Roth Conversions: Strategically execute Roth conversions to reduce future tax burdens and enhance your retirement savings.
- Comprehensive Tax Planning & Oversight: We provide a holistic view of your tax situation, ensuring your overall financial strategy is tax-efficient.
- Direct CPA Coordination: We seamlessly collaborate with your existing CPA or, in appropriate cases, directly prepare your tax returns. Additional fees may apply depending on assets under our management.
- Optimizing Equity Compensation: Tax-efficient strategies for company stock options and Restricted Stock Units (RSUs), including exercise timing, diversification, and minimizing tax liabilities.
- 1031 Like-Kind Exchanges: Defer capital gains taxes on the sale of your businesses or real estate through strategic 1031 exchanges.
- Tax-Efficient Asset Location: Optimize the tax implications of your investment portfolio by strategically allocating assets across different accounts.
- Tax Loss Harvesting: Minimize your tax burden by strategically realizing capital losses to offset capital gains.
4 - Income Planning & Budgeting
We create personalized income and budgeting strategies to help you maintain financial stability and confidently manage your retirement expenses.
- Social Security Optimization
Maximize your Social Security benefits by developing a personalized claiming strategy. - Mailbox Money Strategy (Income Stability Planning)
Create a reliable and consistent income stream to support your retirement lifestyle. - Pension Planning
Evaluate your pension options to ensure the best fit for your long-term financial goals. - Expense Budgeting
Develop a comprehensive expense plan to manage your day-to-day and future financial needs. - Healthcare Expense Planning
Strategically prepare for healthcare costs in retirement to maintain financial security and peace of mind.
5 - Risk & Insurance
We provide tailored risk management and insurance solutions to protect your assets and ensure financial security for you and your loved ones.
- Long-Term Care Planning
Develop a strategy to protect your assets and ensure quality care in the event of long-term health needs. - Life Insurance Review
Evaluate your current policies to ensure they align with your financial goals and provide adequate protection for your loved ones. - Health Care Budgeting
Plan for healthcare expenses in retirement, helping you balance costs and maintain peace of mind. - Medicare Planning
Navigate Medicare options to select the coverage that best fits your health and financial situation.
6 - Estate Planning
We collaborate with experienced estate planning attorneys across all 50 states to address your legal needs. Working closely with you and your chosen attorney, we ensure your estate plan is seamlessly aligned with your financial goals and legacy wishes. Please note that attorney services may incur separate legal fees. Our estate planning services include:
- Trusts – Protect and manage your assets while simplifying the transfer process for your heirs.
- Wills – Clearly outline your wishes for the distribution of your estate.
- Healthcare Directives – Ensure your medical preferences are honored in critical situations.
- Durable Power of Attorney (POA) – Assign a trusted individual to manage your financial and legal matters if needed.
- Transfer on Death (TOD) Titling – Simplify asset transfer directly to beneficiaries without probate.
- Deed Transfers – Update property ownership to reflect your estate planning strategy.
- Beneficiary Planning – Coordinate and optimize beneficiary designations to align with your overall plan.
7 - Monitoring & Service
Our commitment to attentive and responsive client service sets us apart.
- Proactive Plan Adjustments
Continuous monitoring and real-time adjustments to your AIM Retirement Blueprint to keep you on track. - Dedicated Communication
Regular updates and proactive outreach from your dedicated retirement team. - Responsive Support
Guaranteed replies to your communications within one business day—often on the same day. - Stay Informed
Receive a monthly video update and team newsletter to keep you informed of market trends and strategy updates. - Annual Comprehensive Review
Participate in an in-depth annual financial review with your retirement team to evaluate progress and refine your plan. - Flexible Availability
Schedule additional meetings as needed to address evolving priorities and questions.
Ready to take your retirement plan to the next level?
If you are nearing retirement or have recently retired, take our complimentary AIM retirement assessment to see where you may be vulnerable.