Everything you need to get started, and what to expect along the way.
RetireWell™ Process
A step-by-step process designed to guide you from where you are today to where you want to be in retirement.
This page walks you through everything you need to do before our first meeting. Four steps, most of it straightforward. If you have questions along the way, just reach out.
Gabe Motta, CFP®
Right Capital is the financial planning platform we use to build and manage your plan. Once you’ve signed up, it also serves as the secure vault where you’ll upload your financial documents.
You’ll receive a separate email with your login link. If you haven’t received it within 24 hours, check your spam folder or reach out directly.
To upload documents securely, log in to Right Capital and click the folder icon 📁 in the top right corner of the main navigation bar. That is your Vault.
Right Capital uses 256-bit encryption. Do not email documents that contain account numbers or Social Security numbers. The Vault is the right place for those.
The more complete your information, the more accurate and useful your financial plan will be. Work through the checklist below and upload what you have to the Right Capital Vault.
Note: For Bank Accounts and other assets such as CDs, checking, and savings accounts, no statements are needed. You can simply enter the account information and current balance directly in RightCapital under Profile > Net Worth.
Understanding your current spending is one of the most important inputs in your financial plan. It helps us model what you’ll need in retirement and identify gaps you may not be aware of. This step is about entering that information directly into Right Capital so it flows into your plan automatically.
There are three ways to approach this depending on how well you know your numbers.
You have a rough sense of your spending
Use Right Capital’s Detailed Expense Worksheet. Log in to Right Capital, navigate to Profile > Expenses, and click into the Living Expenses card. Select the Detailed Worksheet option and work through each spending category.
Do not include your mortgage or loan payments, insurance premiums, or property taxes here. Those are already captured elsewhere in Right Capital under Net Worth. Entering them again will overstate your expenses.
You want a clearer picture first
If you’re not sure what you’re spending across categories, connect your accounts to a personal finance app. This will help you complete the Right Capital worksheet more accurately instead of guessing.
Monarch Money is one option we suggest. It links to your accounts and categorizes transactions so you can see where your money is actually going each month.
You just need to give me a number
Use Right Capital’s Simple Approach instead of the Detailed Worksheet. Enter a single monthly spending total that reflects lifestyle spending only.
This should exclude your mortgage, taxes, insurance, and any expenses already accounted for separately in Right Capital.
Once you’ve worked through steps 1 through 3, we’re ready to meet. Your first meeting is a discovery call, a chance for me to review what you’ve gathered, ask follow-up questions, and give you a clear picture of what your financial plan will cover.
Most discovery calls run 45 to 60 minutes. We can meet virtually or in person when possible, whichever works best for you.
Don’t hesitate to reach out. If something on this list doesn’t apply to your situation, or if you’re not sure where to find a document, just ask. There are no wrong questions here.
Email: gabe@inclinevest.com
Phone: 720-306-1620
