Retirement Planning Services

Retirement Planning Services with Expert Retirement Advisors

Your future deserves more than guesswork. Our retirement financial advisors help you build a personalized plan so you can save smarter, retire earlier, and live confidently.

Retirement in America lasts decades, and without the right strategy, even years of saving can fall short. That’s why our retirement advisors focus on more than accounts and investments. We help you design a retirement plan that adapts to your life, your income, and your goals, so you can enjoy the freedom you’ve worked hard for.

Whether you’re just starting to save, getting close to retirement, or already retired, Core Finance Advisor gives you clarity, confidence, and a clear path forward.

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Not sure if a Roth IRA, Traditional IRA, SEP, or Solo 401(k) is right for you? We run the numbers based on your income bracket, tax situation, and retirement timeline, then help you open and fund the option that keeps more money in your pocket.
Claiming Social Security at the wrong age can cost you tens of thousands over your lifetime. We project your income needs, health outlook, and spousal benefits to find the optimal filing strategy that maximizes your long-term income.
Every dollar counts. Our advisors design withdrawal strategies that coordinate Roth vs. Traditional account distributions, RMD timing, and capital gains exposure, so you pay less in taxes and keep more for retirement.
Life doesn’t go as planned, and neither should your retirement plan. We track your portfolio, market shifts, and income changes, then adjust your strategy so it stays aligned with your goals, not yesterday’s assumptions.
Retirement shouldn’t feel like a math exam. We explain your options in plain English, give you clear action steps, and help you make confident financial decisions without the guesswork.

When you choose Core Finance Advisor, you don’t just get a retirement advisor, you get a long-term partner dedicated to making sure your money lasts as long as you do.

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How Our Retirement Planning Services Work

We have designed our retirement planning process to reflect the current realities: longer lifetimes, increased healthcare expenses, complicated tax regulations and the difficulty of sustaining savings over 20-30 years. All clients have a retirement financial advisor who offers a step-by-step approach.

Consultation That Sets the Foundation

We start with a full evaluation of your income, savings, debt, insurance and lifestyle objectives. In case you are mid-career, we compute whether you are saving enough to substitute your paycheck. When you are within 10 years of retirement, we will run in-depth cash-flow analysis to demonstrate the duration of your savings. And, should you already be retired, we compare your income plan to inflation, healthcare expenses, and market declines to see where you are today.

Custom Retirement Plan Design

Personalized plan Your retirement advisor prepares a customized strategy that is based on the accounts and strategies that best suit your age and tax scenario. This can include making a Roth IRA a priority in tax free withdrawals, a Traditional IRA/401(k) a priority in tax deferrals, or a rollover of an old employer plan to lower fees. Each choice will be directly dependent on your retirement plan, contribution level, and the long-term income requirements.

Portfolio Strategy with Tax Efficiency

We develop an investment plan that is balanced between growth and protection and minimally taxed. These involve matching your portfolio to your risk-taking profile and your retirement date, setting up Required Minimum Distributions (RMDs) to avoid taxation, and putting money in an account where it generates the highest after-tax yield. This is aimed at maintaining your wealth as well as making sure that your investments are paying good income.

Transition to Retirement Income

When that paycheck runs out, we find you an alternative to a sustainable income plan. We compute the optimum age at which you should file Social Security be it 62, 67 or 70 so that you can receive maximum lifetime benefits. We also develop an exit plan that coordinates Roth and Traditional accounts, consider Medicare payments, and take into consideration increasing healthcare costs, which leave you assured that you will not run out of income.

Ongoing Monitoring and Adjustments

Retirement is dynamic-tax laws are modified, markets are volatile and life events take place. It is the reason why we revise your portfolio regularly and provide an update to your plan. Your financial advisor, who handles your retirement investments, keeps an eye on investment performance, increases or decreases withdrawal rates in periods of inflation or market downturns, and ensures that your retirement plan remains on track with the newest IRS or Social Security regulations.

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What’s Included in Our Retirement Planning Services?

All the financial plays you need to retire with income, taxes, healthcare and legacy. Our retirement planning services provide you with a full financial playbook, so you no longer have to guess what to do with your money. All this is constructed to address the current issues in the U.S.: increasing healthcare expenses, IRS regulations of RMDs, timing choices of Social Security, and unstable markets, which can ruin the savings without proper management.

We develop an income map that indicates how your future retirement paycheck will be financed, whether it is with a 401(k), IRA, Roth IRA, brokerage account, or pension. The program has an inflation-adjusted healthcare shock and market-decline withdrawal plan, therefore, you are aware of how much you can safely spend on each month without outliving your money.

You get a tailored Social Security filing plan that determines which of 62, 67, or 70 to claim will provide the best lifetime benefit amount to you. We coordinate this with Medicare enrollment dates to avoid late penalties and plan strategies to ensure that your Modified Adjusted Gross Income (MAGI) remains under amounts that lead to increased Medicare Part B and D payments.

We plan the sequence of which accounts to withdraw first, taxable, tax-deferred, or Roth, so that your withdrawals keep you in lower tax brackets as long as possible. The plan also reveals when Roth conversion is appropriate, how to schedule capital gains to eliminate the Medicare surcharges and how to fulfill IRS RMD requirements without paying unnecessary taxes.

In your plan, you will have a comprehensive assessment of the estimated healthcare expenditures, such as Medicare and supplemental insurance, and out of pocket. We also offer long-term care funding plans with HSAs, hybrid life/long-term care policies, or other coverage to ensure your retirement savings are not lost to medical expenses.

We also revise and update your beneficiary selections, wills, and trusts to ensure that your accounts are transferred hassle-free according to the U.S. inheritance laws. The plan incorporates tax-savvy wealth transfer plans, e.g. gifting in your lifetime or under trust, to save on the estate taxes and provide as much to your family as to the IRS.

Your retirement plan is regularly updated to depict the changes in the U.S. taxation law, Medicare regulations, and Social Security policies. We conduct a performance review every year to ensure that your spending, investments, and withdrawal plan remain on track with your long-term objectives and make adjustments as necessary to keep your retirement safe.

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The Cost of Not Getting Retirement Planning Services

Not engaging in professional retirement planning can seem equivalent to saving money, however, losses can accrue quickly in the present-day U.S. retirement system. Without a retirement financial advisor, this is what most Americans are at risk of:

Shrinking Social Security Benefits

Filing at 62 instead of waiting until full retirement age reduces monthly checks by 25–30% for life, which can equal more than $100,000 in lost income over a typical retirement.

Medicare Premium Penalties

You miss the Part B enrollment window and you will be charged 10 percent more premiums each year of not doing so, forever, and you cannot take it back.

IRS RMD Penalties

Beginning at age 73, failure to take or to miscalculate Required Minimum Distributions could result in an IRS penalty of 25% of what you are supposed to take, one of the most draconian penalties in the tax code.

Tax-Heavy Withdrawals

Removing the money incorrectly accounts (such as Traditional IRA before Roth IRA) can cause retirees to pay 10-20% more federal taxes than required, which shaves years off their retirement savings.

Erosion from Inflation

The purchasing power of retirees over-dependent on safe cash or CDs tends to decline. The 3 percent rate of inflation reduces the savings of 500,000 to real value of 260,000 in 20 years unless growth strategies are put in place.

Costly Market Timing

By panicking and selling out during bear markets and re-entering the market in a bull market, DIY retirees miss out on an average of 3-4% in returns each year (DALBAR studies), a figure that grows into hundreds of thousands of lost growth over a 25-year retirement.

Estate and Legacy Drain

Families may lose up to 40% of retirement savings to estate taxes, probate fees and legal delays without co-ordinated estate planning, and the heirs and charities receive less.

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At Core Finance Advisor, we keep our retirement planning services simple and transparent. No hidden charges. No surprise fees.

Package

Basic - 30$

Tax-advantaged retirement account, personalized saving plans, and 24/7 tracking.
Ideal for individuals starting their path to retirement.

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Package

Standard - 99$

Basic, Roth & Traditional withdrawal coordination, RMD timing guidance, & tax-efficient retirement account management.
Best for mid-career professionals and those nearing retirement.

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Package

Premium - 149$

Social Security optimization, legacy planning, and customized tax and estate strategies.
Perfect for high-net-worth individuals or those with complex financial situations.

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From startups to seasoned entrepreneurs, how our clients achieved financial freedom.

Tim and Angela

Austin, Texas

“We’ve got a blended family and weren’t sure how to line up retirement with estate planning. Core Finance Advisor didn’t rush us, they sat down, explained how to balance our income streams, and even connected us with an estate attorney here in Austin. For the first time, it feels like we actually have a plan that works for both our families.”

Mike

Bend, Oregon

“I honestly thought I’d be working until 65 or later. These guys showed me how my pension, IRA, and Social Security all tied together, and it turns out I could retire at 58. Now my wife and I are road-tripping through the Pacific Northwest with zero stress about running out of money. Couldn’t have pictured this life a few years ago.”

Linda

Tampa, Florida

“I used to lie awake worrying if I had enough saved. Core Finance Advisor rolled over my 401(k), opened a Roth IRA, and helped me nail down my RMD timing. Now I know exactly what I need each month, and the anxiety is gone. If I’d met them ten years ago, I’d have a lot fewer gray hairs.”

Darrell

Cincinnati, Ohio

“I’ll be real, I messed up early on. Took Social Security too soon, missed Roth chances. But Core Finance Advisor didn’t judge me. They helped me course-correct and now my withdrawal plan is way more tax-efficient. It feels good knowing I’m not leaving money on the table anymore.”

Simone

NY, New York

“The Finance Focus team was patient and helped us plan around our retirement timeline, especially with blended families and estate considerations. They helped us line up our income streams and even pulled in an estate attorney they partner with.”

Case Study: Retiring Five Years Earlier with Retirement Planning Services

Client Profile

Mark (62) and Jennifer (60) are a Denver, Colorado, married couple. Mark is a mechanical engineer and Jennifer was a public school administrator. Having pensions, two 401(k)s and Social Security, they had accumulated good savings without a clear vision of how to and when to retire. Their aim was to retire as soon as they can without the fear of having no money.

Challenge

Uncertainty had marred the goals of early retirement of the couple- they did not have a clear vision of what they needed to earn monthly, they were not sure when they could claim the social security benefits and they were not sure whether they would visit the U.S. national parks as they had always wanted to.

Our Approach

It was a combination of cash flow mapping of pensions, 401(k) withdrawals and Social Security, with a clever timing plan–Jennifer will not claim benefits until 67 and Mark will claim sooner–and budgeting of healthcare until Medicare, with Roth conversions to reduce taxes in the future, and even a special travel fund, so when they set up the retirement plan national park road trips were part of the plan.

Outcome

They saved enough to retire at a young 59 and 61, five years earlier than expected, by conversion to Roth of $147,000 over lifetime taxes, planning healthcare, making an income plan that will last to age 95 and providing the peace of mind to travel and enjoy family without worrying that their savings will run out.

Client Quote

Mark & Jennifer – Denver, CO

“We thought early retirement was out of reach. Core Finance Advisor showed us how to structure everything, pensions, Social Security, healthcare, even our travel budget. They gave us clarity we’d never had before. Now we’re on the road visiting national parks, and for the first time, we’re living the life we always pictured instead of stressing about the numbers.”

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The number of every one varies. There are rules such as 5 times salary by age 50 but that does not apply to all. In Core Finance Advisor, we assist you in determining your retirement costs and developing a savings plan that really suits your future living.

Timing matters. We evaluate your income requirements, health prospects and other benefits to identify that sweet retirement spot, which will maximize your benefits and minimize penalties.

We take you through the type of account with tax benefits that best suits you depending on your income, tax position, and objectives, providing you with the most tax-efficient growth and flexibility.

To this end, we do not make assumptions but rely on professional simulations and life-like withdrawal strategies (such as the 4% rule) to ensure your money lasts across all retirement phases.

We assist you in planning your retirement plan by including Medicare plans, health savings accounts and insurance to your future healthcare costs.

Definitely. In most cases, yes. Credit cards to mortgages, you need to settle high-interest debt to release cash flow and peace of mind prior to retirement. Our professional retirement plan advisors can assist you in doing that.

A team of experts at Core Finance Advisor can assist you in obtaining guaranteed income through annuities and determine whether they are the best option or other sources of income are more affordable.

We respect DIYers. You can try it alone. However, when it involves complexities such as RMDs, tax optimization and market changes, a retirement financial advisor will save you expensive errors and will also provide you with a sense of security in critical decision making such as taxes and withdrawals.

Life happens. And so does your plan. We also update and revise it with you on a regular basis to ensure that your retirement goals are on track regardless of the circumstances.

It can be true that DIY is a free activity, but errors can be more expensive than professional charges. Making the wrong age filing of Social Security, mishandling of RMDs, or missing out on tax-saving opportunities can cost tens of thousands. And with Core Finance Advisor, our planning services are set to save you far more money in the mistakes avoided and savings maximized.

This is among the greatest concerns of the retirees. We equip you with a diversified portfolio, safe withdrawal plans and income buckets such that you never need to sell at the bottom. Guaranteed income sources can also be incorporated to cushion your lifestyle regardless of what the markets may do.

Yes it can be with proper planning. We demonstrate how to get you through the gap between Medicare coverage and the time you retire, how to organize withdrawals to pay the least taxes, and how to create a cash flow strategy that helps you retire early. A good number of our clients retire in late 50s and have confidence.

Retirement Planning Services

Retirement Planning Services with Expert Retirement Advisors

Why Choose Our Retirement Planning Services