Our Financial Advisors Help People Retire With Confidence

Retire With Confidence

There are many financial advisors and financial planners you can choose, but very few who choose to put their clients' priorities before their own profits. We uphold Fiduciary principles to always put your interests first - ahead of our own and that of our firm and our employees. We believe that the best way to take care of us is to take the best care of you and your family.

To learn more about how we can help you retire with confidence, best protect your family's wealth from marketplace fluctuations, and always move forward in a way which aligns with your values, contact us today.

Get to know your financial advisors.

Better yet, let your financial advisors get to know you. When we learn about your goals, lifestyle, and priorities, we can help you best financially plan to land where you want to be and take flight to where you want to go.

5 Pillars Of Client Care

Adaptive Advice, LLC is a Registered Investment Advisor committed to upholding a fiduciary standard of care. Our Investment Advisor Representatives agree to the following:

Clients First

We will always put our clients’ best interests first — ahead of our own and that of our firm and its employees. As defined by federal law, we will act as a fiduciary.

Fair Pricing

When selecting investments and/or investment strategies, we will act as the client's agent, seeking the best investments at the best prices at all times.

Sound Judgement

While neither we nor anyone can promise superior investment returns, we will provide impartial advice and act with skill, care, diligence and good judgment.

Full Disclosure

We will provide full and fair disclosure of all important facts, including our compensation from the providers of the products and services we offer, as well as all fees we pay to others on your behalf.

Fair Management

We will fully disclose and fairly manage any unavoidable conflicts in our clients’ favor.

Joe Elsasser, CFP®, is a Financial Planner for Adaptive Advice, LLC an Omaha-based Investment Advisory and Financial Planning firm and is the creator of Social Security Timing®, a patented software package that helps financial advisors identify optimal Social Security claiming strategies for their clients and Tax Clarity® a visual representation of the tax implications of a variety of financial planning techniques.

LEARN MORE

Lauren DeGroot is a Financial Advisor at Adaptive Advice an Omaha-based Investment Advisory and Financial Planning firm. Lauren's practice is focused specifically on helping people with major retirement related decisions including when to take Social Security, when to draw from various retirement accounts and how to manage risk and taxes throughout retirement.

LEARN MORE

Joe Elsasser

CFP®, Financial Planner

SCHEDULE A MEETING

As both a practicing financial advisor and the founder of a financial software company, Joe has been featured or quoted in several local and national publications including the Wall Street Journal, the Journal of Financial Planning, USA Today, MarketWatch, CBS MoneyWatch, Kiplingers, Money Magazine, and Accounting Today. He has testified as an expert witness in court proceedings on Social Security and pension valuations, and delivered continuing professional education for other financial advisors, CPAs and attorneys. Joe is a Certified Financial Planner™, licensed Investment Advisor Representative of Adaptive Advice, LLC and licensed insurance agent. He holds a Bachelor's degree with honors from the University of Nebraska Omaha. In his spare time, Joe enjoys watching a ridiculous number of kids sports and school events with his wife and two children.

Lauren DeGroot

FINANCIAL ADVISOR

SCHEDULE A MEETING

Lauren has worked in the financial industry in various roles for over a decade. Prior to becoming a financial advisor in 2013, Lauren spent five years training financial advisors on appropriate use of long term care insurance and annuities. She has conducted several national speaking engagements for both advisors and their clients, and has been featured as a guest speaker on radio shows in Florida and Nebraska. Over the past seven years, Lauren has presented more than one hundred seminars on the topics of Social Security Strategies, Retirement Income Planning, Tax-Efficient Retirement, and Long Term Care Planning at twelve libraries across Douglas County and Sarpy County. Lauren is Certified in Long Term Care Planning, is a licensed Investment Advisor Representative of Adaptive Advice, and is a licensed insurance agent. Lauren holds a Bachelor's degree in Business Economics from California State University, Long Beach. Lauren competed four years for their Division 1 Women's Basketball Program and also played three years of professional basketball in Poland, Spain and Germany.

In her spare time, Lauren enjoys traveling, spending time outdoors and serving in her community.

Services and Fees

Tax-efficient retirement income planning

Most people don't get to retirement with a "nest-egg." Instead, its more of a carton. Deciding which eggs to break early in retirement and which eggs to save for later can make a big impact on how much you can spend, how much you pay in taxes, how long your money lasts, and how much you leave behind to people or causes you care about. We'll help you evaluate your Social Security options, pension options, investment accounts, home equity, debt, and any insurance products you own to develop a cohesive, tax-efficient retirement income strategy.

Investment Management

Your investment strategy should be developed and managed based on how you plan to use the investments. As you move into and through retirement, you will have a variety of goals, from family to entertainment to charity. We'll help you determine what investment strategies are most likely to meet your goals, and which account types to hold them in to minimize risk and tax. We'll monitor your investments for changes to your goals or to the economic and tax environment.

Risk management and Insurance

Risk is personal. More precisely, acceptable outcomes are personal. You may be willing to sacrifice a goal, or cut a budget if markets don't perform, or if you or a loved one experiences a health event, but others would rather live more conservatively today in order to reduce the risk of lifestyle change later. We can help you evaluate the risks you are willing to take, and understand the impacts and nuances of different risk-mitigation strategies, including insurance products.

Financial Planning fees start as low as $500 based on the complexity of a client's situation.

If you work with us to manage assets on your behalf, Financial Planning is included with no separate fee and the ongoing fee is billed based on the assets we manage for you:

Total Assets under Management	Annual Fee
$0 - $250,000	1.50%
$250,001 - $500,000	1.25%
$500,001 - $1,000,000	1.00%
Over $1,000,000	0.75%

For example, the total fee for ongoing financial planning and management of a household with total invested assets of $1,500,000 would be as follows:

First $250,000	$3,750
$250,001-$500,000	$3,125
$500,001-$1,000,000	$5,000
$1,000,001-$1,500,000	$3,750
Total Annual Fee	$15,625

Client Center

FIDELITY

EMONEY

Getting Started is Easy

Adaptive Advice, LLC

444 Regency Parkway Dr.
Suite 201
Omaha, NE 68114

Phone: 402-281-2486