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The Back40 FieldMap Process™
Your Retirement. Engineered.
You didn't spend decades building wealth by accident. Your retirement plan shouldn't be built that way either. A clear path from first conversation to lasting confidence.
Discovery
Your story
Risk Audit
Your profile
Blueprint
Your plan
Strategy
Your clarity
Implementation
Your freedom
Fiduciary Commitment
SEC-Registered. Legally Bound to Your Best Interest.
Legally bound to your best interest
You see how we're paid before we recommend anything
By law, by contract, by conviction — your interests come first
"Nobody saved a big pile of money just to have a big pile of money. They saved it because it represents something — security, freedom, legacy. Our job is to honor that."
Dustan Christensen
Founder & Principal Advisor
Phase One
Understanding Your Retirement
Before we talk numbers, we listen. Before we open a spreadsheet, we learn what keeps you up at night. Because a plan built on assumptions is a plan built to fail.
01
The Discovery Conversation
We listen to your story, not just your numbers.
This isn't a sales call. It's the conversation most advisors skip — the one about what retirement actually means to you. Your concerns, your values, the future you've been quietly picturing. We start here because your plan has to be built on something real.
WHAT TO EXPECT
30 minutes. No jargon. No pitch. Just a genuine conversation about where you are and where you want to be.
02
The Risk & Values Audit
Stress-testing your portfolio and uncovering your RISA® profile.
Most advisors hand you a short questionnaire and call it done. We measure three dimensions: how you feel about risk, how much your plan can absorb, and how much return you actually need. Then we map your retirement income style using the research-backed RISA framework.
WHAT TO EXPECT
A short assessment using a choose-between-two-statements format. It reveals your retirement income style and where your risk dimensions may conflict.
Phase Two
Engineering Your Retirement
This is where most firms hand you a pie chart and wish you luck. We hand you a blueprint — every dollar assigned a job, every decision mapped to a purpose, every "what if" already accounted for.
Step 03
The Blueprint
Your written FieldMap — not a generic report, but a personalized plan that maps every resource you have to three essential roles: funding your income, growing your wealth, and protecting your legacy.
Engineer the Income
Social Security timing, pension analysis, and income planning designed to cover your essential needs regardless of market conditions.
Build the Growth
Tax-efficient withdrawals, Roth conversion strategies, and portfolio positioning designed to support your long-term future.
Protect the Legacy
Estate coordination, wealth transfer planning, and charitable strategies that connect your money to the people and causes that matter most.
"The best retirement plan isn't the most aggressive or the most conservative. It's the one you can actually follow — through good markets, bad markets, and everything in between."
THE BACK40
PHILOSOPHY
PHILOSOPHY
Phase Three
Living Your Retirement
A plan on paper is just a plan on paper. This is where it becomes real — where strategy becomes income, where recommendations become action, and where you stop worrying and start living.
04
The Strategy Session
Refining the plan in plain English.
We walk through your Blueprint together — line by line, in language that makes sense. We answer every question, address every concern, and refine until you don't just understand the plan, you believe in it.
WHAT TO EXPECT
A working session, not a presentation. You leave with complete clarity on every recommendation and why it matters.
05
Implementation
We handle the heavy lifting so you can focus on living.
Account consolidation, beneficiary updates, Roth conversions, income setup — every recommendation from your Blueprint is executed on a clear timeline. You don't chase paperwork. We do.
WHAT TO EXPECT
Hands-on implementation, ongoing communication, and a process where nothing falls through the cracks.
Ongoing
This Isn't Set-It-and-Forget-It
Your life changes. Markets shift. Tax laws evolve. Your plan should evolve too. We meet regularly, update your FieldMap annually, and proactively adjust as the landscape changes — because stewardship isn't a phase, it's a promise.
Quarterly reviews
Annual FieldMap updates
Ongoing proactive adjustments
"Stewardship isn't a phase, it's a promise."
Your Next Step
It Starts With a Conversation
No cost. No pressure. No product pitch. Just time to talk about your retirement — what you've built, what you're concerned about, and what comes next.