Happy New Year From Chamberlin! Can you believe we’re in the second quarter of the 21st century? Flipping a new calendar page is always a good time to reflect on the past and make plans for the future. Is retirement planning one of your new year’s resolutions? Let’s talk about it!
Our 4-Step Retirement Education Process, or “REPs,” puts you in control
Why do you need to educate yourself on retirement planning? Because your retirement plan is your education in action.
Americans are living longer than ever, and a recent study showed nearly 2/3 of us are worried we aren’t saving enough for retirement. We want to help you understand:
- What risks you need to be aware of as you approach retirement,
- How choices you make today can affect your long-term income, and
- how a holistic approach to planning can help make your nest egg last as long as you need it to, even beyond your own lifetime.
Just as an athlete rigorously trains for a championship game, retirement planning requires consistent effort and strategic preparation. It’s not a one-time event, but an ongoing process of building financial strength and securing your future.
But athletes don’t go it alone. They train together, and with expert coaches who know how to help them reach their peak performance. When it comes to retirement, you’re never alone. We’re here to coach and guide you as you approach this next phase of your life.
Think of it as "Getting Your Reps In" with our four-step Retirement Education Process — (REP)™ — designed to put you in control of all your options and help you achieve your retirement goals. Let’s take a look at each step.
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REP Step
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Phase
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Key Objective
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Step 1
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Training Through Education
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Learning fundamentals via classes, webinars, and resources.
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Step 2
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20-Minute Strategy Call
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Assessing your current position and identifying missed opportunities.
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Step 3
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No-Cost Mini-Plan
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Receiving Social Security, Tax, and Wealth of Wells reports.
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Step 4
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Mastering the Plan
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Transitioning from accumulation to distribution on Retirement Day.
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Step 1: Training Through Education
Like starting a new sport, a strong mental approach and learning the fundamentals are key to retirement planning.
Chamberlin is an education-first company. We believe that, “with the proper resources, you can make informed financial decisions and create the future you deserve.”
So how do we help educate Americans who are in the “retirement redzone”?
Our education-first mentality means this vital learning phase is a fundamental part of our mission, and we support that mission with:
- In-person classes and dinner seminars
- On-demand webinars, so you can learn at your own pace
- A dedicated learning center filled with resources.
With these resources, you can get knowledge you need to start strong.
Step 2: The 20-Minute Strategy Call
This is the phase where you stop making beginner mistakes and start building true financial momentum, just like a focused athlete.
What Happens During a 20-Minute Retirement Strategy Call?
When you schedule this call with one of our Retirement Educators, we focus on asking the right questions to:
- Assess your current position,
- Identify your specific goals, and
- Uncover opportunities you might be missing
It's a quick, high-impact session to define your game plan with our retirement educators. It’s also no-hassle and no pressure — Retirement Educators aren’t even licensed to sell products, they’re just trained to answer questions and give you peace of mind.
Step 3: The No-Cost Mini Plan
At this advanced stage, the coach's role is imperative. Like a coach who sees flaws and opportunities you might miss, a an experienced financial planner can integrate these variables into a customized No-Cost Mini Plan.
What is a No-Cost Retirement Mini-Plan?
This complimentary plan includes three essential reports designed to give you clarity:
- Your Social Security Maximization Report: A plan to claim your Social Security benefits for the largest possible lifetime income.
- Your Tax and Portfolio Audit: A breakdown of your current tax exposure and a strategy to minimize taxes in 2026 and beyond.
- Your Wealth of Wells Plan: A customized blueprint of how to put each dollar of your money to work, covering your expenses and continuing to grow so you don't have to worry about markets and taxes. You’ll have the peace of mind to just sit back and enjoy the ride.
This is your blueprint for success. In fact, this analysis is complimentary for you, even if you choose not to work with us. We believe in helping Americans with retirement.
Step 4: Mastering Your Retirement Plan
This is the moment you've been training for — Retirement Day!
This is the day you transition from accumulation — saving money — to distribution — taking income and using your money wisely. With your master plan in place, you can execute your strategy with confidence.
But does education get less important after you retire?
No! The training doesn't stop there. You can continue to hone your retirement planning skills and navigate any changes alongside our dedicated Client Service Advisors, who are there for you every step of the way.
You’ve got this! With the right training, coaching, and execution, your retirement goals are well within reach. Every champion started exactly where you are now.
Frequently Asked Questions / TL;DR
- What is Chamberlin’s REP process in retirement planning? The Retirement Education Process (REP) is a four-step framework designed to put you in control of your financial future through education, strategy calls, customized mini-plans, and long-term plan mastery.
- What is included in a no-cost retirement mini-plan? A comprehensive mini-plan includes a Social Security Maximization Report, a Tax and Portfolio Audit, and a customized "Wealth of Wells" Plan.
- Why is education important for retirement? Education is vital because your retirement plan is essentially your "education in action," allowing you to make informed decisions and create a more predictable future.
- So why choose Chamberlin? Two key reasons:
- Unlike traditional sales-focused approaches, Chamberlin is an education-first company. Our Retirement Educators are not licensed to sell products; they are trained specifically to provide knowledge and peace of mind without sales pressure.
- Our holistic planning process is tailored to you and takes seven important factors into consideration when strategizing how to achieve your hopes and goals.
You’re Not Alone
Take the first step today. Are you ready to get your REPs in?
Click here and book a session today, and we'll create a customized Mini Plan at no cost to you.
Remember, this Mini Plan includes 3 essential reports.
- Your Social Security Maximization Report,
- Your Tax & Portfolio Audit,
- And based on those first two reports, your custom, tailored Wealth of Wells Plan.
We used to charge our clients $2,500 for this comprehensive analysis, but we’ve made it free as our way of helping Americans create more predictable retirements.
When you schedule your 20-minute, no-pressure strategy call with one of our experienced retirement educators at Chamberlin, they’ll walk you through the Holistic Planning process, talk through your current financial situation, and, if we seem like a good fit for each other, they’ll pair you with a certified financial planner and fiduciary who will guide you through the rest of the journey toward a comprehensive plan.
And even if you’re not quite ready to take that step, we still want you to feel knowledgeable and empowered as you move that direction. Check out the Learning Center on our website for videos and blog posts that will help you understand the different factors at play in a holistic retirement plan and how you can start making small changes today that will have a big impact tomorrow.
Disclosures
This commentary reflects the personal opinions, viewpoints and analyses of The Chamberlin Group. It does not necessarily reflect the views of Foundations Investment Advisors, LLC (“Foundations”) and is provided for educational purposes only and the contents are solely maintained by and the responsibility of the applicable 3rd party. The 3rd party content is subject to change at any time without notice, and does not represent an express or implied opinion or endorsement of any specific investment opportunity, investment strategy or planning strategy. Foundations in no way deems reliable any statistical data or information obtained from or prepared by third party sources in this commentary, nor does Foundations guarantee its accuracy or completeness. No legal or tax advice is provided or intended.
Sources
- Allianz Life. (2025). Americans Are More Worried About Running Out of Money Than Death. Allianz Life Newsroom. Retrieved from https://www.allianzlife.com/about/newsroom/2025-Press-Releases/Americans-Are-More-Worried-About-Running-Out-of-Money-Than-Death
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