Retire Without Regret. Protect Your Wealth & Pursue Purpose.
Income you can count on. Strategies to help your savings last — so you can relax and enjoy life, knowing your money’s working as hard as you did.
Say Yes Without Hesitation
Retire With Real-Life Confidence
Live More and Manage Less
Schedule a complimentary 15-minute consultation
Freedom, Without the Second Guessing
Take the trip. Buy the RV. Book the flights.
No guilt. Just memories.
Your retirement should be simple, not buried under binders and spreadsheets. You don’t need a 52-page plan—you need a rock-solid strategy that holds up, no matter what happens in the market or in Washington.
It’s time to stop overthinking Social Security, investments, and taxes—and start living the life you’ve worked for.
Ditch the stress. Embrace the freedom.
Buy & Hope
Is NOT a strategy fit for retirement
Has to go back to work in retirement because rising inflation, healthcare and taxes change the math.
Second-guesses every gift, trip or treat – taking all the fun out of vacations
Watches CNBC and their investments more than their grandkids.
Built real wealth, only to now watch it quietly drained by avoidable taxes.
Lets their mood rise and fall with every political and economic headline.
Gives leftovers and holds back generosity out of fear their money wouldn’t last.
Maybe you know a someone who…
Maybe that somone is you…
You need someone who understands the real challenges of retirement
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Build a Retirement Plan That Makes Sense
We’ll make it so clear that even the spouse who’s never liked talking money will go from tuned out to tuned in.
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Enhance Your Investment Income
Our defense-first approach is hand crafted for retirees. We aim to limit big losses and smooth returns to help you withdraw more, for longer.
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More Living, Less Worrying
When your strategy makes sense and your income is built to last, retirement gets a whole lot better.
Retirement Solutions That Actually Make Sense
These are our most popular services. Practical, plain-English tools our clients love most.
Social Security Blueprint
Your practical guide for nailing when to claim—before it’s too late.
Pinpoint the ideal age to claim Social Security: based on your income needs, spouse’s benefits, and life expectancy — not generic charts.
See the big picture — Understand how Social Security interacts with your IRA withdrawals, taxes and healthcare costs.
Spousal & Survivor Benefits Strategy — maximize your benefits by coordinating your decisions
What you get — A simple one-page summary that breaks down three different options built custom for you.
Starting at $450
IRA / 401(k) “X-ray
For the person who likes to run the numbers — we’ll break it down so you can make your own choices with confidence
Hidden Fees — we’ll show you exactly how much you’re paying, to whom and for what.
Risk Match — Is your portfolio built for calm markets or real-life drawdowns? We’ll stress test and find out.
Distribution Readiness — we’ll evaluate how prepared your portfolio is to generate reliable income without taking excess risk
What you get — A simple one-page summary, specific no pressure recommendations to reduce costs, lower risk and improve returns.
Starting at $450
Foundational Retirement Roadmap
The only retirement plan you’ll ever need—modern, flexible, built for real life.
Know exactly what your lifestyle costs—and how to afford it for life
Bring Social Security, investments, and taxes together into one simple, workable plan
A simple, visual retirement timeline—see what happens and when
Action steps to implement your plan—no guesswork, no endless meetings
Starting at $3,000
Active Wealth Management
Our most popular option – retirement investing, reimagined.
Ongoing defense and risk management against major drawdowns
Built for better income than the traditional 4% rule, with a smoother ride.
Actively managed and aligned with your real-life goals.
Flat fee. No commissions. No hidden charges.
Starting at 1.35%
Need something else? We’ve probably done it. Book a call for a custom quote.
Tj Binkowski, Owner, Army Veteran
Your Guide to a Confident Retirement:
Hope isn’t a plan.
Hey, I’m Tj Binkowski — I’m a proud Army veteran & West Point grad and I’ve been a financial advisor at some of the biggest firms in the country and I’ve seen the traditional advice they give to retirees.
And what I saw… well, it fell short.
Retirees were being handed cookie-cuter portfolios, vague “risk scores” and handed complicated statements on the way out of the office — only to be called once a year. No investment planning. Certainly No real strategy. Just blind hope "in the market”.
And they left having the same unanswered questions, maybe you’ve asked the same ones:
When can I afford to retire?
How much income can my IRAs and 401(k)s get me?
How do I balance this alongside other sources of income?
Can I give to causes I care about in a tax friendly manner and still make my money last?
What happens if the market, taxes or healthcare change drastically?
In the Army, they trained us to “red team” everything — to stress-test plans, prepare for the worst and lead with honesty even in chaos.
That’s the same approach we’ll take with your retirement.
Because hoping the market doesn’t go down isn’t a strategy.
We’ll build a strategy that responds, adapts and protects you — so you can sleep well at night.
Because your retirement should be built to last. To give you peace of mind. To give you freedom.
The right investments don’t just grow your wealth — they protect your future.
Ready to make sure yours is built to last decades?
Getting started is as easy as 1-2-3
1. Get Acquainted
Start with a simple conversation. No pressure, no jargon—just a chance to understand your goals, concerns, and what’s most important to you.
2. Explore the Possibilities
Walk through your options—investments, retirement income, tax strategies, and more—to help you see what’s possible and what fits you best.
3. Walk the Path With Confidence
Whether you’re ready to take action now or simply need direction, you’ll leave knowing your next step—and exactly why it makes sense.