The Meliora Method™
A thoughtful way to bring clarity and confidence to the financial decisions that shape your next chapter.
What This Process Is Designed to Do
The Meliora Method™ is Sean Hantes’ structured retirement planning process for University of Rochester professionals who are approaching or already in retirement. It aims to transform uncertainty into confidence by focusing on four essential pillars.
The Four Pillars of The Meliora Method™
Life & Goals Clarity
When decisions feel scattered, it helps to step back and get clear on what matters most. We start by understanding what you want your next chapter to look like, so financial choices feel grounded and intentional.
Investment Alignment
Uncertainty often comes from not knowing whether your investments actually support your life. We align your portfolio with your stage of life, income needs, and long-term goals so your strategy feels steady and understandable.
Tax Strategy & Lifetime Tax Reduction
Taxes are one of the biggest sources of long-term stress. We focus on thoughtful, forward-looking decisions around Roth strategies, withdrawal order, IRMAA, and RMDs to help reduce unnecessary taxes over time.
Benefit Optimization
University of Rochester benefits can be powerful when they work together.
When those benefits are viewed in isolation, important opportunities can be missed. We help ensure nothing is overlooked or working against you.
What It’s Like to Work Together
With The Meliora Method™, you get a clear, personalized plan and continuous guidance as you transition into retirement. You’ll feel informed, supported, and confident in your financial future.