Retirement Planning & Income Services for Minnesotans & Wisconsinites

Guidance You Can Count On.

We help individuals and families in Minnesota and western Wisconsin plan for retirement with clarity and confidence. Whether you're nearing retirement or already drawing income from your savings, our retirement planning process focuses on creating reliable income and minimizing financial uncertainty. We work with clients across Red Wing, Hastings, Northfield, Prescott, and surrounding communities to align their retirement goals with real-life needs.

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What Retirement Planning Means to Us

Retirement planning isn't just about saving enough-it's about knowing how to use what you've saved wisely. Our process helps you transition from accumulating assets to creating sustainable income, while accounting for taxes, healthcare costs, and unexpected expenses. We're here to make sure your retirement works for your lifestyle-not the other way around.

This service is ideal for:

  • Pre-retirees 5-10 years from retirement who want a clear plan
  • Retirees looking to optimize Social Security & Medicare choices
  • Individuals managing multiple retirement accounts
  • Families concerned about outliving their money or rising healthcare costs

What's Included in Our Retirement Planning Services

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Retirement Income Planning

Personalized income strategies that turn your savings into reliable monthly paychecks, built to support your lifestyle for decades to come.

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We help you understand your claiming options and choose the timing that gives you the most value-now and over your lifetime.

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Planning for healthcare costs in retirement, including Medicare enrollment, supplemental coverage, and long-term care budgeting.

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Rollover guidance to help you consolidate your accounts, manage risk, and create tax-efficient withdrawal plans in retirement.

Our Approach to Retirement Planning

  • Personalized Income Strategies
  • No two retirements look the same. We tailor your plan based on your savings, spending goals, taxes, and timing-then test it under real-world scenarios.

  • Integrated Advice
  • We bring together Social Security, Medicare, taxes, investments, and insurance into one coordinated strategy, so you don't have to piece it together alone.

  • Fiduciary Perspective
  • As fiduciaries, we put your interests first-always. You'll never be sold a product or pushed into a plan that doesn't align with your goals.
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  • Transparent Tracking
  • With regular reviews and digital access to your plan, you'll always know how your retirement strategy is performing and what adjustments we recommend.

Who We Serve

We work with individuals and families across southeastern Minnesota and western Wisconsin-from Red Wing to Lake City to Zumbrota to Prescott-who want to feel confident about what's next. Whether you're five years from retirement or already receiving Social Security, we're here to help you make every decision with clarity and purpose.

Common Retirement Planning Questions

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  • How much income will I need in retirement?

    We help estimate your future expenses, build a budget, and model different income scenarios so you know what's realistic.

  • When should I start Social Security?

    We compare early, full, and delayed benefits and show how each choice affects your long-term income and tax impact.

  • What happens if I retire before Medicare kicks in?

    We help you navigate coverage options before age 65, including COBRA, ACA plans, or spousal coverage strategies.

  • Is it better to roll over my 401(k) or leave it where it is?

    We evaluate fees, flexibility, and tax implications to help you make a confident decision based on your full financial picture.

  • How do I make sure I don't outlive my money?

    We stress-test your plan using real market conditions and align your investments to support sustainable withdrawals over time.

Let's Talk About Your Retirement Plan

If you're looking for an experienced team to help turn your savings into a reliable income stream and guide your healthcare and benefit decisions, we're ready to help. Your first meeting is free, and there's no pressure to commit.