Financial Peace of Mind for a Secure Retirement
At Zen Financials, we believe retirement should be a time of freedom, not financial worry. Our expert strategies ensure you never run out of money, enjoy a tax-free retirement income, and have the financial peace of mind you deserve.
Guardrail-Based Retirement Income Planning
Unlike traditional advisors who rely on probability of success models, we use Income Lab’s advanced guardrail system to calculate your retirement paycheck. This method provides real-time adjustments to your income, ensuring you stay on track while allowing for flexibility as life changes. You’ll know exactly how much you can spend without the fear of running out of money.
Create Your Own Personal Pension
Tired of worrying whether your retirement savings will last? With our personal pension strategy, you can receive guaranteed, lifetime income—just like a traditional pension. We use fixed index annuities and other secure options to ensure you have a steady retirement paycheck for life, providing the financial peace of mind you deserve.
Optimize Social Security Distributions
Optimizing Social Security distributions means aligning your claiming strategy with your overall retirement goals, rather than simply waiting to maximize the monthly benefit. While delaying benefits increases the amount you receive, it may not be the best choice if you need income earlier, have health concerns, or want to preserve other assets. The goal is to create a balanced, tax-efficient income plan that supports your lifestyle and longevity—not just the highest possible check.
Tax Free Retirement Strategy
Through strategic tax planning, Roth conversions, and customized life insurance solutions, we help you reduce your lifetime tax liability and maximize retirement income—often on a completely tax-free basis. Our approach is designed to give you clarity, confidence, and control over your financial future, so you can enjoy retirement without worrying about unexpected tax burdens.
401(k)/IRA Rollovers
Rolling over your 401(k) or IRA into a Fixed Index Annuity (FIA) can be a smart move as you near retirement. It allows you to preserve your tax-deferred status while adding key retirement benefits. With an FIA, your principal is protected from market losses, and your money still has the opportunity to grow based on a market index—without being directly invested in the market.
Long-Term Care Planning
We believe true peace of mind in retirement comes from planning for the unexpected. One of the most overlooked—but essential—parts of retirement planning is preparing for long-term care (LTC) needs. As we live longer, the likelihood of needing some form of long-term care increases. In fact, 7 out of 10 people over age 65 will require LTC at some point in their lives. These services can include in-home care, assisted living, or skilled nursing—and they can be financially draining if unplanned.
Testimonials
“Thank you for securing our financial future.” – Ohio Client
“I have learned more in your financial literacy workshop than from my own financial advisor.”
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