The S.I.L.A.S. Process™
A Step-by-Step Approach to a Retirement With Clarity, Confidence, and Purpose.
At Silas & Ward, we believe retirement income planning should feel clear, steady, and personalized. That’s why we created the S.I.L.A.S. Process™ — a structured, time-tested method that helps you move forward with a strategy that reflects your life, your values, and your future.
A Process Rooted in Legacy
While our name reflects where the legacy began, this process carries the influence of both men behind our firm — Silas and Ward — and the lessons they left behind: live with independence, act with integrity, and plan with purpose.
This process is our way of honoring that legacy — by helping our clients live theirs.
The S.I.L.A.S. Process™ at a Glance
Retirement isn’t one decision — it’s dozens. When to stop working. How to take income. What to do with your benefits. How to plan for the unexpected.
That’s why we don’t offer quick fixes or cookie-cutter plans.
We follow a structured approach designed to give you clarity at each step, so you always know where you stand and what comes next.
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Set Your Goals
We start with your story — not just your numbers. What does retirement mean to you? What do you want life to look like in the years ahead?
This step is about listening and aligning your retirement with what matters most.
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Inventory What You Have
We organize and evaluate your full financial picture: income sources, savings, benefits, insurance, and more.
We help identify what's working, what may need attention, and what opportunities you may not have considered.
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Lay Out the Approach
We build a strategy designed to support your goals — including income timing, tax considerations, healthcare, spousal planning, and more.
You’ll see how the pieces fit together into an overall strategy that supports your life.
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Apply the Strategy
Together, we take action. We help guide every step, from completing paperwork to coordinating with other professionals.
You’ll never wonder what to do next — we walk with you the entire way.
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Stay on Track
Life changes. So does retirement. We continue to meet with you, review your strategy, and make adjustments so it stays aligned with your needs.
Retirement isn’t one moment. It’s a journey. We’re with you every step.
Let’s Build Your
Retirement—Together
The S.I.L.A.S. Process™ is designed to give you more than a strategy — it gives you confidence. Whether you’re preparing to retire or already retired, we’ll help you move forward with clarity and confidence.
