Financial Advisor for Retirement Planning in Bentonville, Arkansas

Key Takeaways

• Revolutionary Wealth is a team of retirement-focused financial advisors serving Bentonville, Arkansas, helping retirees and pre-retirees build dependable lifetime income through personalized planning. As one of the leading financial advisor firms in the region, Revolutionary Wealth stands alongside well known firms such as Fidelity Investments, Vanguard, and Charles Schwab in terms of reputation, service breadth, and commitment to client success.

• Our primary goal is to turn 401(k)s, IRAs, pensions, and other retirement savings into reliable monthly paychecks designed to last through age 95 and beyond. The best financial advisors provide holistic, expert guidance to help clients plan for their future goals.

• We provide fiduciary, fee-transparent financial advice tailored to Northwest Arkansas retirees, covering Social Security timing, tax-efficient withdrawals, and healthcare cost planning. When selecting a retirement planning partner, it is important to check a financial advisor's qualifications to ensure they have the expertise and credentials necessary for advanced financial planning.

• Revolutionary Wealth offers both in-person meetings in the Bentonville area and virtual meetings for snowbirds or clients who travel frequently.

• If you’re a Bentonville resident nearing retirement (ages 55–70) or already retired, we invite you to schedule a complimentary retirement readiness review to explore your options. Many financial advisor firms, including Revolutionary Wealth, offer free initial consultations to help clients understand their services and approach.

• We specialize in integrated wealth, tax, and estate planning, leveraging a unique technology stack including eMoney, Wealth.com, Black Diamond, and BizEquity to deliver comprehensive, real-time insights and coordination across your financial picture. Wealth management is especially valuable for high-net-worth clients seeking personalized, professional guidance for their complex financial needs.

• Our expertise includes advanced Roth conversion strategies designed to optimize tax efficiency and maximize your retirement income.

Research from Vanguard shows that working with a financial advisor can potentially add approximately 3% in net returns through disciplined wealth management and strategic planning.

Retirement Planning That Fits Your Stage of Life in Bentonville

Whether you spent decades at Walmart headquarters, managed logistics at J.B. Hunt, worked in healthcare, taught in local schools, or built your own small business in Northwest Arkansas, your path to retirement is uniquely yours. Revolutionary Wealth understands that Bentonville-area workers planning to retire between 2026 and 2035 face distinct challenges—from navigating employer stock options to deciding when to claim Social Security.

We tailor retirement planning for three distinct stages, recognizing that your needs shift dramatically as retirement approaches. Some clients may prefer to work with a different advisor at various points in their financial journey, and Revolutionary Wealth offers flexibility to accommodate these preferences.

10+ Years From Retirement (Ages 40s–Early 50s)

• Focus on maximizing contributions to employer-sponsored plans like 401(k)s and 403(b)s

• Evaluate Roth versus traditional contribution strategies based on current and projected tax brackets

• Build investment growth while managing risk tolerance appropriately

• Take full advantage of employer match formulas at Northwest Arkansas companies

5–10 Years From Retirement (Mid-50s to Early 60s)

• Enter what financial professionals call the “retirement red zone” where sequence-of-returns risk becomes critical

• Protect what you’ve built by stress-testing your target retirement date against market downturns

• Begin shifting from accumulation to a decumulation mindset

• Model different retirement ages (62, 65, 67, 70) to see how timing affects income

Already Retired in Bentonville

• Create a written income plan coordinating Social Security, pensions, IRAs, required minimum distributions, and taxable accounts

• Establish sustainable withdrawal rates that account for inflation and longevity

• Monitor spending against projections and adjust as life circumstances change

A good financial advisor should adjust their approach to meet specific client needs and offer various ways to communicate, whether in-person or virtually.

The cost of living in Northwest Arkansas remains notably lower than coastal metros, which can make your retirement savings stretch further—particularly if you’ve relocated from a higher-cost region or plan to stay local.

Accounts and Tools to Build Your Retirement Nest Egg

One of the most common frustrations we hear from Bentonville clients is having accounts scattered across multiple custodians with no clear strategy connecting them. Revolutionary Wealth helps simplify this picture by evaluating your accounts as a coordinated system rather than isolated buckets.

The main account types we typically help clients assess include:

• Employer plans (401(k), 403(b), 457):The foundation for most working professionals, with contribution limits of $23,500 in 2025 plus catch-up contributions for those 50 and older

• Traditional and Roth IRAs:Flexible accounts with $7,000 annual limits in 2025, offering different tax treatment depending on your situation

• SEP/SIMPLE IRAs:Designed for local small-business owners who want higher contribution ceilings

• Taxable brokerage accounts:Provide liquidity and flexibility for funds beyond tax-advantaged limits

Many of these accounts can be opened or consolidated with low or no investment minimums, and to open most retirement accounts, there are typically no account fees or minimums required. Our advisors help determine where each dollar should go first each year—typically capturing the full employer match in your 401(k), then funding Roth or traditional IRAs, then considering taxable investments. Using tax-advantaged accounts like IRAs can help you save money on taxes and maximize your retirement savings.

We avoid “one-size-fits-all” products. Instead, we develop a coordinated account strategy that positions your money for both growth and efficient withdrawal in retirement.

Using Planning Tools to See Your Retirement Future

Revolutionary Wealth uses modern planning software and a suite offinancial tools and calculatorsto build a customized retirement roadmap for each Bentonville client—not a generic online calculator that spits out a single number.

During a planning session, we input real numbers specific to your situation:

• Current account balances (for example, $750,000 in combined retirement accounts)

• Expected Social Security benefits based on your actual statement from mySocialSecurity.gov

• Realistic monthly spending needs and essential expenses

• Healthcare cost projections before and after Medicare eligibility

From there, you can see projected income under different retirement ages. Want to know the difference between retiring in 2028 at 65 versus 2030 at 67? The software shows exactly how that decision affects your monthly paycheck throughout retirement.

We also stress-test plans against market volatility. What happens if the market drops 30% in your first year of retirement? How does high inflation affect your purchasing power at age 85? These aren’t scare tactics—they’re practical scenarios that help ensure your plan remains durable.

You don’t need to be “good with numbers.” Our advisors walk through every chart and projection step by step, answering questions until everything makes sense. Planning tools aren’t just used once; they’re updated yearly or after major life events like selling a Bentonville home, receiving an inheritance, or changing jobs.

Our unique tech stack—featuring eMoney for holistic financial planning, Wealth.com for collaborative client engagement, Black Diamond for portfolio management, and BizEquity for business valuation—works alongside ourretirement and wealth management resourcesto ensure that every facet of your financial life is integrated and optimized.

Understanding How Much You Can Contribute Each Year

Maximizing retirement contributions in your final working years can dramatically impact your financial picture. Here’s what Bentonville workers need to know about 2025 IRS contribution limits:

Revolutionary Wealth pays attention to employer match formulas at Northwest Arkansas companies. Before directing money elsewhere, we ensure you’re capturing every dollar your employer is willing to contribute.

Estimating Your Monthly Retirement Paycheck

Most people think about retirement in terms of account balances. But what actually matters is how much income those balances can reliably produce each month.

Revolutionary Wealth builds an income plan that blends predictable sources—Social Security, pensions, and potential annuity income—with portfolio withdrawals targeting a sustainable percentage. Research dating back to William Bengen’s work in the 1990s and the Trinity Study suggests that a 4% initial withdrawal rate, adjusted annually for inflation, has historically provided high success rates over 30-year retirement horizons.

Practical Example:

• Portfolio value: $1,000,000

• Initial withdrawal at 4%: $40,000/year ($3,333/month)

• Social Security: $30,000/year ($2,500/month)

• Combined income: $70,000/year ($5,833/month)

For a Bentonville retiree with lower housing costs than coastal cities, this income level can support a comfortable lifestyle with room for travel and discretionary spending.

We run stress tests using different scenarios:

• What if markets decline 25% in your first two years of retirement?

• What if inflation averages 4% instead of 3%?

• What if you live to 97 instead of 85?

These projections help identify whether adjustments to spending, withdrawals, or investment strategy are needed. Our dedicated team reviews the plan regularly, making changes based on real-life developments and market performance.

When Income Annuities Might Make Sense

Income annuities are insurance products that convert a lump sum into guaranteed lifetime income. They can be a useful tool for certain retirees—but they’re not right for everyone.

Potential Benefits:

• Provide guaranteed income regardless of market conditions

• Reduce anxiety about outliving savings (longevity risk)

• Can cover essential expenses like property taxes, utilities, groceries, and Medicare premiums with predictable payments

Potential Drawbacks:

• Limited liquidity once funds are committed

• Fees can be substantial, especially in variable annuity products (often 2–3% annually)

• Fixed payments lose purchasing power to inflation unless inflation riders are purchased

• Complexity and lack of transparency in some contracts

Revolutionary Wealth sometimes considers annuities for Bentonville retirees who want a portion of essential expenses covered by guaranteed sources. For example, a client might use part of a 401(k) rollover to purchase a lifetime income annuity that supplements Social Security, while keeping the remaining assets invested for potential growth and flexibility.

As fiduciary advisors, we compare annuities to other investment options and avoid high-commission, opaque products that don’t serve your best interests. Annuities are evaluated within a comprehensive financial plan—never sold as a stand-alone solution.

Working With a Financial Advisor for Retirement Planning in Bentonville

There’s a meaningful difference between calling a national hotline and working with a local registered investment advisor who understands Northwest Arkansas.

Revolutionary Wealth provides retirement-focused advisory services designed for this community. As fiduciary advisors, we’re legally obligated to put your interests first, disclose potential conflicts, and clearly explain our fees before any commitments.

Core services we provide to retirees and pre-retirees:

• Retirement income planning and monthly paycheck projections

• Investment management tailored to your risk tolerance and timeline

• Tax-aware withdrawal strategies to minimize taxable income over time

• Social Security and pension analysis including timing optimization

• Roth conversion planning for clients who may benefit from tax-free growth

• Coordination with estate attorneys and CPAs for estate planning and tax advice, delivered seamlessly through our integrated technology platforms to ensure your wealth, tax, and estate plans work together efficiently

We often begin relationships with Bentonville-area clients 5–10 years before retirement. This approach allows time to shape final working years deliberately—maximizing contributions, adjusting allocations, and building a transition strategy with ourretirement planning team—rather than reacting at the last minute.

Having a dedicated advisor means having someone to call when markets turn volatile, when you’re considering downsizing your home, or when you’re thinking about gifting to children or charitable giving. That ongoing relationship provides value beyond any single investment decision. Personal financial advisors, especially those affiliated with professional organizations like the National Association of Personal Financial Advisors, can provide unlimited access to ongoing support and guidance, ensuring you receive continuous, personalized assistance throughout your retirement planning journey.

Additionally, behavioral coaching provided by advisors—often reinforced througheducational retirement planning videos—can help prevent impulsive financial decisions during market volatility, supporting you in staying focused on your long-term retirement goals.

How to Choose the Right Retirement Advisor

Finding the right financial advisor requires asking the right questions. Here’s a checklist for Bentonville retirees:

Confirm Fiduciary Status

• Ask directly: “Are you legally required to act in my best interests at all times?”

• Fiduciary advisors must disclose conflicts and prioritize your financial goals over their compensation. The best financial advisors are fiduciaries, meaning they are required to put your interests above their own.

Understand the Fee Structure

• Is the advisor fee-only (paid directly by clients) or fee-based (may include commissions)?

• What percentage of assets under management is charged, or is there a flat annual fee?

• Are there other fees for specific services?

Verify Credentials

• Look for designations like Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA)

• Check registration status with the SEC or Arkansas state securities regulators

• Always check the advisor's qualifications and consider whether they are a member of a national association, such as the National Association of Personal Financial Advisors (NAPFA), which certifies and lists qualified professionals.

Assess Specialization

• Ask how many retirement plans the advisor has built for clients ages 55+

• Determine whether they specialize in decumulation (spending down savings) rather than only accumulation

Look for clear, written explanations rather than jargon. You should feel comfortable asking “basic” questions without being rushed or talked down to.

You can also review the professional history of financial advisors using the SEC's Investment Adviser Public Disclosure (IAPD) database.

Revolutionary Wealth welcomes second-opinion reviews. We can analyze an existing plan or investment portfolio and provide feedback with no obligation to switch. A local Northwest Arkansas advisor adds value through understanding regional housing markets, Arkansas state tax rules, and cost-of-living realities specific to this area.

Credentials, Designations, and What They Mean

Professional designations signal education, experience, and ethical standards. Here’s what the most relevant credentials mean for retirement planning:

While credentials matter, also weigh communication style, clarity, and responsiveness. The best financial professionals combine expertise with the ability to explain complex topics in plain language.

Fee Only Financial Advisors: What It Means for You

When choosing a financial advisor for your retirement planning in Bentonville, understanding how your advisor is compensated is crucial. AtRevolutionary Wealth, fee-only financial advisors operate on a transparent compensation model, charging either a flat fee or a percentage of your assets under management (AUM) for their financial planning and investment management services. Unlike commission-based advisors, fee-only advisors do not earn money from selling specific products, which helps eliminate potential conflicts of interest.

As a registered investment advisor, a fee-only financial advisor is legally required to act in your best interests at all times. This fiduciary duty means you receive unbiased investment advice and a comprehensive financial plan tailored to your unique retirement goals. Whether you need help with retirement planning, tax advice, or ongoing investment management, a fee-only advisor provides guidance that is always aligned with your financial well-being.

By working with a fee-only registered investment advisor, you can feel confident that your retirement strategy is built around your needs—not around product sales or hidden fees. This approach ensures that every recommendation, from asset allocation to withdrawal strategies, is designed to help you achieve a confident and comfortable retirement.

Preparing for Your First Retirement Planning Meeting

You don’t need to be “perfectly organized” to meet with Revolutionary Wealth. But gathering a few key documents helps you get more value from the conversation.

Documents to bring:

• Latest 401(k), IRA, and brokerage statements

• Pension estimates from current or former employers

• Social Security statement (available at mySocialSecurity.gov)

• Life insurance policies

• Current mortgage balance and property tax information

• Rough monthly spending estimate (even a ballpark helps)

Beyond the numbers, think about your personal goals and how yourfinancial life and lifestyle choicesfit together:

• When would you ideally retire? (2028 at 65? 2031 at 68?)

• How do you want to spend your time in retirement?

• Any travel plans or bucket list items?

• Do you want to help children or grandchildren financially?

• Are charitable giving or legacy planning important to you?

Come prepared with a few quick questions that matter most. Examples include:

• “Can I afford to retire at 65 instead of 67?”

• “How do we handle healthcare before Medicare at 65?”

• “What happens if one of us needs long-term care?”

The first meeting with Revolutionary Wealth in Bentonville typically lasts 60–90 minutes. It’s a relaxed, educational conversation focused on listening and understanding your situation—not sales pressure.

What to Expect From Revolutionary Wealth’s Process

Our planning process follows a clear path designed to give you confidence in your retirement strategy:

Many firms, such as Fidelity Investments, offer extensive financial planning services free of charge that can help identify your retirement savings goals.

1. Initial Discovery Meeting:A conversation to understand your current financial picture, retirement goals, and concerns

2. Data Gathering and Analysis:We collect statements, run projections, and model scenarios using professional planning software

3. Presentation of Written Retirement Plan:You receive a comprehensive document including timeline (2026 to age 95+), projected income by source, investment strategy, tax considerations, and contingency plans

4. Implementation of Agreed Strategies:We execute the plan—consolidating accounts, adjusting allocations, coordinating rollovers, and setting up income streams

5. Ongoing Review Meetings:At least annually, we revisit the plan to account for market changes, life events, and evolving goals

Our financial planning services are designed to be as comprehensive as those offered by leading firms, ensuring you receive full-service guidance for retirement, investment management, tax, and estate planning.

We clearly explain our fee structure during or before the second meeting, so you know exactly what you would pay and what services are included. There are no surprises. Facet charges a flat fee for its financial advisory services, which can be reasonable for investors with significant assets.

Clients can choose to meet in our Northwest Arkansas office, via secure video conference, or a combination—whatever works best for your schedule and preferences.

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Estate Planning as Part of Your Retirement Strategy

Estate planning is an essential, yet often overlooked, component of a successful retirement plan. It goes beyond simply saving for retirement—it’s about ensuring your assets are distributed according to your wishes and that your loved ones are protected after you’re gone. A certified financial planner can help you integrate estate planning into your overall retirement planning, making sure your financial goals are reflected in every aspect of your plan.

Working with financial professionals, such as chartered financial analysts and certified financial planners, allows you to address important estate planning steps. This may include creating or updating your will, establishing trusts to manage and protect assets, and designating beneficiaries for your retirement accounts. These actions help minimize confusion, reduce potential tax burdens, and provide peace of mind for you and your family.

Incorporating estate planning into your retirement strategy ensures that your legacy is preserved and your intentions are honored. By taking a proactive approach with the guidance ofexperienced financial planning professionals, you can safeguard your assets and provide for those who matter most—making estate planning a vital part of your retirement journey.

Retirement Planning Considerations Specific to Bentonville, Arkansas

Location matters in retirement planning. Bentonville and Northwest Arkansas offer characteristics that can work to retirees’ advantage.

Cost of Living Benefits:Arkansas’s cost of living remains notably lower than many coastal states. Housing costs, property taxes (averaging roughly 0.53% statewide), and everyday expenses stretch retirement savings further. For transplants who sold higher-priced homes elsewhere, this differential can meaningfully boost their retirement confidence. Edward Jones, a well-known firm with more than 20,000 financial advisors and offices in all 50 states, offers various services including retirement planning.

State Tax Considerations:Arkansas provides favorable treatment for retirement income:

• Social Security benefits are fully exempt from Arkansas state income tax

• Up to $6,000 per person annually in pension, IRA, and retirement plan distributions is exempt for residents age 59½ or older

• Joint filers where both spouses receive retirement income may exempt up to $12,000 combined

• Military retirement pay is fully exempt

While Revolutionary Wealth is not a tax preparer, we coordinate closely with local CPAs to ensure tax planning is integrated into your overall strategy.

Lifestyle Factors:Northwest Arkansas offers strong healthcare access through regional hospital systems, extensive outdoor recreation (Ozark trails, Crystal Bridges area), and community activities that influence realistic spending needs. These factors help us build plans that reflect how you actually intend to live.

Property Decisions:Whether to stay in your Bentonville home, downsize within Northwest Arkansas, or move closer to children elsewhere represents a major planning consideration. We help clients think through the financial implications of each option. J.P. Morgan offers financial advisory solutions at a reasonable rate with a team of advisors to help develop a financial plan.

For Local Business Owners and Professionals

Many Bentonville-area retirees are or were small-business owners, independent professionals, or executives with unique planning needs.

Business Transition Planning:If you’re planning to sell a business in the next few years, coordinated advice on timing, taxes, and investing sale proceeds becomes critical. A Bentonville business owner planning to sell in 2027 might need to evaluate:

• Optimal timing to minimize tax impact

• Whether to receive payment as a lump sum or installments

• How to invest sale proceeds for retirement income

• Coordination between business sale and Social Security claiming strategy

Wealth management services are especially valuable for business owners and high-net-worth individuals who require personalized financial planning and investment management tailored to their unique circumstances.

Retirement Plans for Small Businesses:Revolutionary Wealth helps evaluate retirement plan options for small businesses, including SEP IRAs, SIMPLE IRAs, and solo 401(k)s. These plans often allow higher contribution limits than standard employer plans, creating opportunities to accelerate retirement savings.

Concentrated Stock Positions:Executives with stock options or restricted stock units (RSUs) face decisions about diversification and risk management as retirement approaches. Holding too much company stock creates concentration risk that can undermine an otherwise solid retirement plan.

We provide high-level guidance while encouraging consultation with tax professionals for complex situations. The goal is ensuring your business success translates into confident retirement income.

Frequently Asked Questions About Retirement Advisors in Bentonville

These questions address topics that Bentonville retirees commonly ask when exploring whether to work with a financial advisor for retirement planning.

Q: What services does Revolutionary Wealth offer as a financial advisor for retirement planning?
A: Revolutionary Wealth provides comprehensive financial planning and investment management services tailored to your retirement goals. Please note, we do not sell securities or act as a broker; our role is to guide you through your financial journey without engaging in securities transactions.

Q: How does a traditional financial advisor compare to a robo advisor for retirement planning?
A: Traditional financial advisor firms offer personalized advice, in-depth retirement planning, and ongoing support, often at a higher cost. In contrast, a robo advisor provides automated, digital-only investment management, typically at a lower fee but with limited personal interaction and customization. The best choice depends on your preferences for service scope, cost, and the level of human guidance you desire.

Do I need a financial advisor if I already have a 401(k)?

Having a 401(k) is an excellent start, but it’s just one piece of the puzzle. A retirement-focused financial advisor helps coordinate that account with IRAs, taxable investments, Social Security, pensions, and tax planning to create a complete income plan. The best financial advisors can help coordinate all your accounts and provide holistic guidance to ensure your retirement strategy is comprehensive and aligned with your goals.

Revolutionary Wealth regularly works with clients who have substantial retirement savings but no clear strategy for when and how to use those dollars in retirement. We can review investment options inside your current employer-sponsored plan and suggest allocation changes based on your timeline—even if we don’t directly manage the plan. Vanguard offers several advisory options that allow clients who meet minimum asset levels to speak with a financial advisor. The difference between accumulating money and efficiently withdrawing it requires different expertise.

When should I first meet with a retirement-focused advisor?

Many clients in Bentonville contact us between ages 50 and 62, but starting earlier provides more flexibility in adjusting savings, debt levels, and lifestyle expenses. Meeting 5–10 years before your target retirement date allows time to optimize contributions, reduce sequence-of-returns risk, and plan for healthcare coverage and Social Security timing.

That said, it’s never “too late” to benefit from investment advice. We also help people who are already retired and want a second opinion on their current approach or need help creating a formal income plan they’ve never had.

How are Revolutionary Wealth’s advisors compensated?

We operate with fee transparency as a core principle. Our fee structure is fully explained in writing before any client decides to move forward, and there are no hidden charges for basic communication or review meetings. Specific fee arrangements depend on the scope of services and assets involved.

As fiduciary advisors, our incentives are aligned with helping you grow and protect your retirement income over the long term. We’re required to act in your best interests, not steer you toward products that generate higher commissions for us.

Can you help if my spouse and I have different retirement timelines?

Staggered retirement dates are common in Bentonville couples, especially when one spouse continues working while the other retires. We build plans that coordinate incomes, benefits, and healthcare coverage across both timelines.

This includes modeling when the second spouse eventually retires and how that changes the household’s financial picture. We also address survivor income planning to ensure each spouse remains financially confident if the other passes away first. Different timelines create complexity, but they’re completely manageable with proper planning.

What if I live part of the year outside Arkansas?

Revolutionary Wealth works with many clients who travel extensively or split time between Bentonville and another state, especially during winter months. We can meet virtually when clients are away, monitoring plans and adjusting as needed regardless of physical location.

We also consider the implications of changing residency or owning property in multiple states. Tax rules, estate planning requirements, and healthcare coverage can vary significantly between states. We coordinate with tax and legal professionals as appropriate to ensure your situation is handled correctly across jurisdictions.

Ready to see how your retirement savings could translate into monthly income?Revolutionary Wealth offers complimentary retirement readiness reviews for Bentonville residents and those throughout Northwest Arkansas. Whether you’re 10 years from retirement or already drawing income, our team of vetted financial advisors is here to help you build a confident retirement with confidence. Contact us to schedule your first conversation.

Conclusion: Build Your Confident Retirement in Bentonville

Confidence in your retirement in Bentonville is about more than just saving—it’s about building a comprehensive plan with the support of a dedicated advisor who understands your unique financial goals. By partnering with a reputable financial advisor firm, you gain access to personalized investment advice, tax planning strategies, and ongoing support tailored to your needs.

When selecting the right financial advisor, look for a registered investment adviser who acts as a fiduciary, always putting your best interests first. Consider their qualifications, experience, and whether they offer a fee-only compensation model for added transparency. A dedicated advisor will help you navigate every aspect of your financial picture, from employer-sponsored plans and contribution limits to evaluating the best investment options for your situation.

With the right financial advisor by your side, you can confidently pursue your retirement goals, knowing you have a personalized plan designed to help you achieve a confident retirement. Remember, your financial journey is unique—take the time to find an advisor who listens, understands your priorities, and is committed to helping you enjoy your golden years in Bentonville with peace of mind.

Disclosures:

This blog contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this blog will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. Revolutionary Wealth LLC does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.Past performance is no guarantee of future results.

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.

Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.

Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.

The case studies provided do not reflect actual clients. Any reference to securities is based upon historical data that is public sourced. No statement made herein is to suggest stock market performance or future performance, and no case study is used to imply future performance. The case studies are intended to illustrate services available through the adviser. Actual results will fluctuate with market conditions and will vary over time.

The projections or other information generated by Monte Carlo analysis tools regarding the likelihood of various investment outcomes are hypothetical in nature, are based on assumptions that you provide which could prove to be inaccurate over time, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.