The N.O.W. Framework
One plan. Three pillars. Built to work together.
One plan. Three pillars. Built to work together.
Retirement planning shouldn't feel like a spreadsheet and a guess.
At Addis Hill, we built the N.O.W. Framework around a simple idea: your financial plan, your tax strategy, and your investment portfolio should never operate in isolation. They should work together, toward the same goal – genuine peace of mind, now and in retirement.
N.O.W. stands for three integrated pillars:
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Never-Worry Retirement Planning
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Optimized Tax Strategy
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Wise Portfolio Management
Each pillar is a discipline on its own. Together, they form a single, cohesive plan built around your life – not a generic template.
The Three Pillars
Never-Worry Retirement Planning
A retirement plan built around your goals, then stress-tested against the unexpected – market downturns, longevity, inflation, and major life events – so you know exactly where you stand no matter what happens.
- Goals-first discovery
- Comprehensive financial blueprint covering income, expenses, taxes, investments
- Stress testing against market, longevity, inflation, spending, and life-event scenarios
- A living plan that evolves with you, reviewed and recalibrated year after year
Optimized Tax Strategy
Taxes are one of the largest expenses in retirement – and one of the few you can actually control. We build tax strategy into your plan from day one, not just at filing time.
- Asset location planning across taxable, tax-deferred, and tax-free accounts
- Tax-loss and tax-gain harvesting
- Roth conversion planning
- Tax-efficient withdrawal sequencing and RMD management
- Social Security timing and IRMAA awareness
- Qualified Charitable Distributions and legacy/estate tax coordination
Wise Portfolio Management
A portfolio built to last – low-cost, diversified, and disciplined – with a steady hand to help you stay invested when it’s hardest to.
- Evidence-based portfolio construction, with a focus on low-cost ETFs and individual bonds.
- Diversification across asset class, geography, sector, and time horizon
- Personalized asset allocation based on your risk capacity, tolerance, and timeline
- Disciplined, tax-aware rebalancing
- Behavioral coaching to keep you on track through market volatility
- Ongoing monitoring and reviews
Built to Work Together
A tax strategy that ignores your investments, or a portfolio that ignores your tax bracket, is only solving part of the problem. That’s why every decision inside the N.O.W. Framework – from a Roth conversion to a rebalancing trade – is made in the context of your full plan.
Your retirement plan shapes your withdrawal strategy. Your tax situation shapes your asset location. Your portfolio funds it all. One plan, three pillars, working in the same direction.
The Journey to Peace of Mind
How We Work With You
DISCOVERY
We get to know your goals, your fears, your timeline, and what a great retirement actually looks like for you.
BLUEPRINT
We build a comprehensive plan modeling your income, expenses, taxes, investments, and insurance.
STRESS TEST
We run your plan through market, longevity, inflation, and life-event scenarios so you see how it holds up under pressure.
INTEGRATION
We align your tax strategy and portfolio with the plan, so all three pillars of N.O.W. work toward the same goals.
ONGOING PARTNERSHIP
Life changes, and so does your plan. We revisit and recalibrate with you, year after year.