Retirement Income Specialists
A retirement income specialist turns your savings into a paycheck that lasts.
We plan the order you draw from each account, and write down every fee or commission.
What We Do
A retirement income specialist has one job: turn your savings into a paycheck that lasts as long as you live.
We plan your Social Security timing, your required withdrawals, and the order you draw from each account.
If you do not have a full written plan yet, start there first.
Our investment planning services build that plan.
How We Sequence Your Retirement Withdrawals
The order you take money from your accounts matters.
It changes how long your money lasts and how much tax you pay.
We follow the required withdrawal rules on the IRS retirement topics page.
This way, you never miss one.
- Regular investment accounts. We use these first.
- Tax-deferred accounts like traditional IRAs and 401(k)s. We time these around required withdrawals.
- Roth IRA and Roth 401(k) money. We save this for later because it is tax-free.
- Guaranteed income like Social Security and any annuity. We add this in to cover your regular bills.
Fees and Commissions
We are fee-based, and if an annuity fits your plan for guaranteed income, we always disclose any commission in writing first.
That commission comes from the insurance carrier, not from you.
Some people want guaranteed income added to their withdrawals.
They often add our annuity specialist service to their plan.
How to Verify Your Advisor
You do not have to just trust a title, because advisor records are public.
Check the advisor for free on the SEC Investment Adviser Public Disclosure site and FINRA BrokerCheck.
Ask how the advisor is paid and whether they must act as a fiduciary on your investment accounts.
Ask how often they will review your plan.
Who Needs a Retirement Income Specialist
This service is for you if you are close to retiring or already retired.
It also fits if you are unsure how to turn savings into a paycheck.
We serve clients across the country by video, including retirees fixing a plan that no longer fits.
Once your income plan is set, many clients keep growing the rest of their savings with our asset management specialist service.
Why Clients Choose Us
Our clients choose us because they know exactly where every dollar comes from each month.
You get a licensed advisor who acts as a fiduciary on your investment accounts.
You also get full written notice of any commission and a withdrawal plan built around what you really spend.
Call us at (480) 608-2440 or ask for your free meeting, with no cost and no pressure.
What Our Clients Say
Charlene T.
I am retired today thanks to their help. Even when the market went crazy, I had peace of mind knowing my retirement income was secure.
Cody & Halee R.
They are helping us reach our retirement goals five years sooner, with a plan that turns our savings into steady income.
Bill & Holly B.
We planned to work until the day we died. They got us on track for an early retirement with income we can count on.
Dale M.
They guided me into a plan that gives me steady retirement income, and they are always a call away when I need them.
Quinn & Nikki S.
The one on one attention has been wonderful. They helped us grow our wealth and set up income for our retirement.
Cody P.
They have been mentors I can call anytime. I feel secure knowing my retirement income is planned for.
Frequently Asked Questions
Do I need a minimum amount saved to work with a retirement income specialist?
Managed retirement income accounts usually start around $50,000. So do annuities for guaranteed income. But we do not turn away smaller savers. Mutual fund accounts start at $25 a month or a $1,000 lump sum. That means you can get a written income plan long before you reach six figures.
Can a retirement income specialist give me a second opinion if I already have a financial advisor?
Yes. A second opinion is one of the top reasons people reach out to us. This often happens after an advisor stops returning calls. Or it happens after a plan no longer fits how close someone is to retiring. We review your accounts and withdrawal plan for free. Then we tell you plainly if anything needs to change before you decide to switch.
How much does it cost to work with a retirement income specialist, and how are you paid?
How you pay depends on your plan. Managed accounts are usually billed as a small percent of the money we manage. Annuities and other insurance income sources pay us a commission. It is a one time payment from the carrier. We always disclose that in writing before you commit. Your first meeting is always free with no obligation to move any money.
What is the RICP designation?
RICP stands for Retirement Income Certified Professional. The American College awards this designation. It trains advisors in income planning, not just saving. This includes safe withdrawal rates and Social Security timing. It also includes planning for a long life and health care costs.
When should I start planning my retirement income?
Most specialists say to start three to five years before you plan to retire. This gives time to plan Social Security timing and taxes. It also gives time for any changes to your savings before your first withdrawal.
What happens at my first meeting with a retirement income specialist?
Your first meeting is free with no obligation. We review your accounts, Social Security choices, and spending needs. We explain how any fee or commission works, and outline a withdrawal plan made for you.
Get a Clear Retirement Income Plan Today
Turning your savings into income is too important to guess at.
Get a plain-language withdrawal plan and full fee disclosure.
Work with a specialist who puts you first.
Or call (480) 608-2440
Financial Advisor Pro
Headquarters:
3707 E Southern Ave. Mesa, AZ 85206
Headquarters:
3707 E Southern Ave. Mesa, AZ 85206