We help you figure out exactly what you need to retire in Arizona, what’s working, what’s broken, and how to fix it.
Last year, a 42-year-old engineer from north Phoenix asked us a simple question: “Can I retire at 60?” He’d maxed out his 401(k) for 15 years and had solid savings, but no one had ever run the real numbers for him. It turned out he could retire at 58, two years early, once he fixed his IRA fees and his asset mix. We hear stories like this every week from families across Phoenix.
Here’s what most people don’t hear: retirement planning isn’t that complicated. It just takes honest math and someone who isn’t paid to sell you products. We’re a team of Phoenix retirement planners, and two of us are Navy veterans. We’re also Dave Ramsey SmartVestor Pro advisors, so we lead with education, not a sales pitch.
We help you figure out what you need to retire in Arizona: how much to save, where it should go, what to do with old 401(k)s, and when you can actually stop working. You’ll see the math behind every answer.
Saving for retirement is only half the job. The other half is turning your savings into a paycheck that lasts. We help you plan which accounts to draw from first, review your beneficiaries, when to claim Social Security, and how to keep taxes low once the paychecks stop. If you have a pension, we help you weigh your payout and survivor options too.
Planning as a couple has moving parts one person doesn’t. You’ve got two Social Security claiming ages, maybe two 401(k)s, and one shared goal. We help Phoenix couples line up their accounts, coordinate when each of you claims Social Security, and build one plan that works for both of you.
We work with many federal and military families near Luke Air Force Base. Our team includes a Navy veteran who knows TSP, FERS, and military benefits firsthand. We help you understand your FERS pension and survivor choices, decide what to do with your TSP, and see how it fits with Social Security. You’re working with someone who’s been in your shoes.
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 is—based on fees, investment options, and your specific situation.
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.
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.
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 sense—paying off high-interest debt while still investing for retirement.
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.
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.
If you teach in a Phoenix district or work for a city, county, or hospital, your 403(b) and 457 planning deserves a closer look
Let’s review your numbers and build a plan that actually works.
For other inquiries, you can reach us at (602) 396-2741.
Yes. We work with FERS and TSP participants and military families near Luke Air Force Base. Our team includes a Navy veteran who knows these benefits firsthand.
Yes. We can manage your 401(k), 403(b), 457, or TSP while the money stays in your employer’s plan. No rollover required.
Yes. Meet us at our Phoenix office or by phone or video, whichever works for you.
It depends on your income, health, and whether you’re married. We run the numbers so you can pick a claiming age with confidence.
No. We work with everyday families and focus on planning, not account minimums.
