RETIREMENT PLANNING PHOENIX
Last year, a 42-year-old engineer from Tempe sat in my office and asked a simple question: “Can I retire at 60?” He’d been maxing out his 401(k) for 15 years, had decent savings, but no one had ever run the actual numbers for him. Turns out, he was on track to retire at 58โtwo years earlier than he thoughtโbut only if he stopped making a few expensive mistakes with his IRA and fixed his asset allocation. We hear similar stories every week from professionals across the Valleyโfrom families near North Mountain Preserve in Phoenix to tech workers around Scottsdale Airpark and growing communities out by Goodyear Ballpark.
Here’s the thing nobody tells you: retirement planning isn’t complicated, but it requires honest math and someone who isn’t incentivized to sell you expensive products. Most Phoenix professionals are either over-saving (scared they don’t have enough) or under-saving (assuming it’ll work out somehow). Both are guessing. We don’t guess.
We help you figure out exactly what you need to retire in Arizona, what’s working, what’s broken, and how to fix it. Whether you’re visiting us at our Phoenix office or meeting from your home near Superstition Springs in Mesa, you’ll understand how much you need to save, where it should go, what to do with old 401(k)s, and when you can realistically stop working. No sales pitch, no pressureโjust clear answers about your retirement.
The difference between retiring at 65 and retiring at 60 isn’t luckโit’s having a plan and making the right decisions along the way. Most people waste years guessing about retirement when they could’ve known exactly where they stood with a few hours of honest planning.
401(k) Rollover Advice
You left a job and now you’ve got an old 401(k) sitting at your former employer. We help you figure out if rolling it over to an IRA makes sense or if you’re better off leaving it where it isโbased on fees, investment options, and your specific situation.
[Learn more about 401(k) Rollover Advice โ]
IRA Contribution Planning
Most people know they “should” contribute to an IRA but have no idea how much, which type (Traditional vs Roth), or if they’re even eligible. We help Phoenix professionals figure out their IRA contribution strategy based on taxes, income limits, and retirement goals.
[Learn more about IRA Contribution Planning โ]
Budgeting and Cash Flow Management
You can’t build wealth if you don’t know where your money is going. We help you build a realistic budget that accounts for Arizona’s seasonal expenses, identifies where money is leaking, and shows you how much you can actually save toward retirement.
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Debt Management
Not all debt is bad, but most people don’t know which debt to pay off first. We help Phoenix families prioritize debt payoff in a way that makes financial senseโpaying off high-interest debt while still investing for retirement.
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Education Savings Planning
College is expensive, and most parents either don’t save enough or sacrifice their own retirement to overfund a 529. We help Phoenix families figure out how much to save for college without sabotaging their own financial future.
[Learn more about Education Savings Planning โ]
Mortgage Planning
Should you pay off your mortgage early or invest the difference? We help you figure out what makes sense for your situation by running the actual math on your mortgage terms, interest rate, and overall financial plan.
[Learn more about Mortgage Planning โ]