Image 1 of 1
Image 1 of 1
Image 1 of 1
Image 1 of 1
Some retirement plans work so well that the original planning question begins to change. The client’s lifetime needs remain well funded across reasonable scenarios, yet substantial wealth is consistently projected to remain. Is that wealth intentionally being preserved for lifetime flexibility? Is it meant to become a legacy? Or is the plan simply producing an outcome no one has actually chosen?
This course gives financial planners a structured way to turn projected terminal wealth into an explicit planning conversation. Using the Three Futures method, planners help clients compare what it would mean to KEEP, USE, or ASSIGN financial capacity, then use a Reject First conversation to identify the future the client does not want. The goal is not to persuade clients to spend or transfer more. It is to ensure that a successful retirement plan does not quietly make the next planning decision by default.
By the end of this course, you will be better prepared to:
Differentiate projected terminal wealth that represents an intentional lifetime reserve, an intended legacy, or a future financial outcome the client has not explicitly chosen.
Construct Three Futures scenarios that illustrate the implications of keeping financial capacity available, using additional capacity during life, or assigning wealth to a future purpose.
Apply a Reject First conversation to identify an unwanted default future and translate the client’s response into an explicit planning direction.
Some retirement plans work so well that the original planning question begins to change. The client’s lifetime needs remain well funded across reasonable scenarios, yet substantial wealth is consistently projected to remain. Is that wealth intentionally being preserved for lifetime flexibility? Is it meant to become a legacy? Or is the plan simply producing an outcome no one has actually chosen?
This course gives financial planners a structured way to turn projected terminal wealth into an explicit planning conversation. Using the Three Futures method, planners help clients compare what it would mean to KEEP, USE, or ASSIGN financial capacity, then use a Reject First conversation to identify the future the client does not want. The goal is not to persuade clients to spend or transfer more. It is to ensure that a successful retirement plan does not quietly make the next planning decision by default.
By the end of this course, you will be better prepared to:
Differentiate projected terminal wealth that represents an intentional lifetime reserve, an intended legacy, or a future financial outcome the client has not explicitly chosen.
Construct Three Futures scenarios that illustrate the implications of keeping financial capacity available, using additional capacity during life, or assigning wealth to a future purpose.
Apply a Reject First conversation to identify an unwanted default future and translate the client’s response into an explicit planning direction.