The Lankford Roadmap
Start your Roadmap.
Retirement isn't simply about reaching a destination. It's about having a clear plan for the road ahead. I'm Tim Lankford, and this is how we work with every client.
Start with three questions.
Answer privately: yes, no or unsure.
If you stopped working tomorrow, do you know where your retirement paycheck would come from over the next five years?
If the market dropped 25% tomorrow, would you know what to change, and what to leave alone?
If something happened to you tonight, would your spouse know exactly what to do tomorrow?
If any answer was "no" or "unsure," you've found where you need more clarity. That's where a Roadmap conversation begins.
Your first meeting
What happens when you sit down with us
A first conversation is about you, not a product. Here is what to expect.
A short call first
Call (317) 993-3346 or ask us to call you. We ask what's on your mind and when you hope to retire, and we tell you what to bring.
Bring what you have
Recent statements for your 401(k), IRA and other savings, your Social Security estimate from ssa.gov/myaccount, any pension paperwork, and your last tax return. Missing something? Come anyway.
Sit down with Tim
At the Carmel or Brownsburg office. Tim asks about the life you want, not just the accounts you have. Your spouse is welcome, and encouraged, to come.
You decide what comes next
We show you what we see and which step comes first. Nothing changes unless you say so.
What it costs you: nothing. Meetings with Tim are free, and so are our workshops and dinners. See how we get paid.
How we work
Five steps, in order
Retirement is like a long road trip. You need to know where you are, where you're going, what you may run into along the way, and what you'll do when conditions change. The goal isn't to predict every turn. It's to have a process for what we do when the road changes.
Step 1
Chart
Where you are today
What comes in, what goes out, what you own and what you owe, all on one page. Clarity before strategy.
Step 2
Map
Your destination
What you want retirement to look like: where you live, who you help, how you spend an ordinary Tuesday.
Step 3
Navigate
The decisions ahead
Markets, taxes, interest rates and healthcare costs change. We plan for the risks and decide what, if anything, to do.
Step 4
Guide
Your plan
We coordinate your income sources and keep checking that the plan still fits your life.
Step 5
Journey
Together
We keep meeting as life changes, and we help you leave clarity, not a scavenger hunt, for the people you love.
A proven process. A purposeful plan. A life well lived.
What you leave with
Four things you can take home and keep
Your income picture
Where each month of retirement income would come from, and how it compares with what you plan to spend.
A tax map
Which accounts are taxed how, and how the order you draw from them can change what you keep.
A Social Security comparison
Your choices side by side, including what each one means for a surviving spouse.
A stress test
What happens to the plan in a bad market, with higher inflation, or with a long life.
Our clients also receive a Legacy Binder: accounts, beneficiaries, important documents and who to call, all in one place, so the people you love are never sent on a scavenger hunt.
How we get paid
You should always know how your advisor is paid.
Ask anyone who helps you with money how they are paid. You deserve a plain answer. Here is ours.
Everything we do for you is free. Workshops, dinners and meetings with Tim cost you nothing.
The insurance company pays us, and only if you choose a product. When a client decides an annuity or insurance policy fits their needs, the insurance company (the carrier) pays Lankford Wealth Advisors. If you don't buy anything, we are not paid.
That's the only way we're paid. There are no planning fees, advisory fees or other payment arrangements.
Any product we discuss comes with its own written disclosure from the insurance company. We go through it with you before you decide, including surrender periods, fees for optional benefits, and how long your money is committed.
Questions about this? Call (317) 993-3346. We're glad to explain.
Start your Roadmap
Answer a few quick questions and we'll call you to set up a free Roadmap conversation with Tim. Skip any question you like.
Thank you.
We received your request. Someone from our office will call you to set up your Roadmap conversation.
Need us sooner? Call (317) 993-3346.
Follow along
New short videos from Tim, and the Wealth After Work podcast.
Let's look at your numbers together.
A first conversation is about you: your income, your concerns and your timeline. You'll leave knowing which step comes first.