OUR STORY
Built on Experience. Evolved with Purpose.
Happiness In Retirement® Group began as Del-Sette Capital Management, founded by Bill Del-Sette in 2012 with a commitment to helping individuals and families make thoughtful, confident financial decisions.
Over the years, our work with clients has taught us something important: successful retirement planning isn’t just about the investment returns or reaching a certain number. We believe it’s about helping people use their financial resources to build a life they genuinely enjoy.
That realization helped to shape the evolution of our firm and ultimately led to the Happiness In Retirement® planning philosophy that brings together financial security, thoughtful investment management, and life planning around the goals that give retirement meaning.
Our name and approach have evolved, but the foundation remains the same: putting our clients and the lives they want to create at the center of every financial plan.
OUR STORY
The Problem No One Was Solving
Bill believed there was a better way to plan — one that started with the life a client wanted and worked backward to the numbers. Not a promise of happiness, but a framework for not leaving it to chance.
He began drawing in ideas from positive psychology, longevity research, and life planning alongside tax strategies and investment work. Clients started showing up with more clarity. They weren’t just watching their portfolio — they were living toward something.
“The best plans keep working, no matter what.”
Bill also knew what kind of team he needed to sustain the vision. He assembled a team — not just skilled advisors, but people who genuinely believed their work could help clients step into a life that might not have happened without the right plan in place. That team is who you’ll work with today.
THE HAPPINESS IN RETIREMENT® PROGRAM
Two Phases. One Clear Path
Most financial plans tell you how much to save. Ours helps you figure out what you're saving for — and makes sure the money is there when the life you imagined is ready to begin.
PHASE ONE
The Growth Phase
For professionals and pre-retirees building toward
retirement with intention.
- Build a retirement picture that goes beyond the balance sheet.
- Develop investment and savings strategies aligned to your timeline.
- Protect what you’ve built against risk, market swings, and life events.
- Track your Happiness Score and adjust your plan as life evolves.
PHASE TWO
The Enjoyment Phase
For retirees and those approaching retirement who are
ready to live the life they planned.
- Turn your accumulated wealth into reliable, lasting income.
- Navigate healthcare, long-term care, and the unexpected with confidence.
- Pursue purpose, connection, and the pillars of a happy retirement.
- Leave the legacy you intend — for people and causes that matter.
More Than a Portfolio
Most financial plans tell you how much to save. Ours helps you figure out what you’re saving for — and makes sure the money is there when the life you imagined is ready to begin.
We integrate investment strategy, tax planning, healthcare, estate planning, and life planning into a single, connected approach. Because retirement isn’t a number. It’s a life — and you deserve a plan built around all of it.
CHOOSE YOUR JOURNEY