More Income.
Less Uncertainty.
A Retirement Built To Last.

Most people approach retirement one product at a time — and end up with a plan full of gaps. We take a different approach. Every income source, every asset, and every decision is coordinated together into a single strategy built to maximize your retirement income for life.

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$300K
Average lifetime income left unclaimed through unoptimized retirement planning
96%
Of Americans claim Social Security suboptimally — their single largest retirement asset
4-in-1
Social Security, Medicare, Annuities, and Full Portfolio Analysis — coordinated under one specialist
5.85%
Top 3-year fixed annuity rates currently outpace CDs (4.65%) — with tax-deferred growth & principal protection that CDs can't offer
Certified Specialist
RSSA®
One of the only Registered Social Security Analysts in the area — serving Central Arkansas & clients nationwide
RSSA®
Nationally Certified
NARSSA® Member

What We Do

Everything Your Retirement Income Needs — Built Under One Roof

A retirement that holds up isn't built on one product or one decision. It's built on a complete, coordinated strategy — and that's exactly what we deliver.

Social Security Optimization

As one of the only RSSAs in the area, we provide a depth of Social Security analysis most advisors simply can't offer — modeling every scenario to find your maximum lifetime benefit.

Annuity Strategies & Planning

A properly structured annuity does one thing no other financial product can — guarantee you an income you cannot outlive, no matter what the market does.

Full Portfolio Review & Analysis

We review your entire financial picture — IRAs, investments, insurance, Social Security, and pensions — then identify opportunities to improve income, reduce risk, and eliminate inefficiencies.

Medicare & IRMMA Coordination

Your retirement income decisions directly affect your Medicare premiums. We factor IRMAA thresholds into your income plan so you never pay more than you have to.

Asset & Drawdown Sequencing

The order you draw from your accounts matters as much as how much you've saved. We map out exactly when to tap IRAs, annuities, and taxable accounts to minimize taxes, preserve growth, and make your money last as long as you need it to.

Self-Employed Tax & Retirement Analysis

Business owners and self-employed professionals face a unique challenge — balancing today's tax burden with tomorrow's Social Security benefit. SETARA® analysis helps you structure your earned income strategically, so you reduce what you owe now without sacrificing what you'll collect later.

Our Retirement Solutions

Choose the Analysis That Fits Your Situation

We offer three analysis levels designed around the complexity of your situation. Depending on your needs, you may qualify to receive your analysis completely free through our fee waiver program — see details below.

Essential Social Security Analysis

Signature Service

$275 fee
  • RSSA Roadmap® software analysis run on their SSA earnings record
  • Optimal claiming age recommendation (single scenario)
  • PDF report with break-even analysis
  • 30 minute review

Comprehensive Retirement Plan

starting at

$495 fee
  • Full dual-analysis (both spouses' earnings records)
  • Multiple claiming strategy comparisons
  • Spousal and survivor benefit optimization
  • Tax impact overview on SS benefits
  • PDF report + summary spreadsheet

Retirement Income Integration Analysis

starting at

$850 fee
  • Everything in Tier 2
  • SETARA® | self-employed tax/SS analysis (if applicable)
  • Asset drawdown sequencing
  • IRMAA/Medicare premium planning
  • Written strategy memo with implementation timeline
  • Price ranges from $850-$1,350 based on complexity
Purchase Now

MFS Fee Waiver Program

You May Qualify

$0 fee
  • Medicare Advantage or Supplement purchase — Tier 1 or Tier 2 analysis fee waived in full
  • Annuity placement of $50,000 or more — analysis fee waived up to Tier 3 value
  • Life insurance policy placement — Tier 1 or Tier 2 analysis fee waived in full
  • Insurance placement with complex planning needs — Tier 2 waived, Tier 3 discounted based on scope
  • Reduced fees available for Medicaid recipients — ask about eligibility.

Who This Is For

Retiement Planning Isn't One Size Fits All

Whether you're years away from retirement or already in it, a coordinated income strategy can make a significant difference in what you keep, what you earn, and how long it lasts.

Pre-Retirees

This is the window where the right moves matter most.

Married Couples

Spousal and survivor benefit coordination is one of the most complex.

Recent Retirees

Recently Retired? It's not too late. Analysis usually uncovers opportunity.

Business Owners

We specialize in building strategies around complex financial situations.

Get Started Today

Let's Make Sure Your Retirement Works as Hard as You Did

Book A Consultation
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