Retirement Planning

Secure Your Future. Retire with Confidence.

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Welcome to A & D Financial Solutions, your trusted partner on the journey to a secure and fulfilling retirement. Retirement should be a time of peace, exploration, and enjoyment—not uncertainty. Yet, for many Americans, planning for retirement feels overwhelming. A recent study found that most pre-retirees lack a clear plan for annual retirement spending and their income sources. That’s where we step in.
At A & D Financial Solutions, we’re committed to making your retirement vision a reality. We provide customized retirement planning services that empower you with the tools, strategies, and confidence you need to enjoy this significant chapter of life.

 

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Why Retirement Planning Matters

Retirement planning is more important today than ever before. With rising healthcare costs, fluctuating markets, and increasing life expectancies, retirees face new financial challenges that require thoughtful and flexible strategies.

Do you know the amount of money you need saved in your retirement accounts to live comfortably after you retire? To maintain your current lifestyle, you may need up to 80% of your pre-retirement income. Yet, the average Social Security benefit is just over $1,200 per month—far from sufficient for most individuals.

Without a structured plan, many retirees ask, “Where will my money come from each year?” Our goal is to eliminate that uncertainty. With a personalized plan built around income diversification, tax efficiency, and long-term investment strategy, we help ensure your financial independence.

Retirement Income Planning

Your retirement success hinges on a well-designed investment strategy and Financial Independent Number (FIN). This plan aligns your income sources—including  pensions, 401ks, annuities, and your current savings —to create reliable monthly income streams. We help minimize your income risk by incorporating guaranteed income sources when needed and addressing any gaps with suitable financial products.

The A & D Approach: Personalized, Educational, Results-Focused

Every person’s retirement path is unique. Your goals, your timeline, and your financial picture deserve a personalized solution.

At A & D Financial Solutions, we prioritize financial education. We believe that knowledge is the foundation of financial security. If you don’t understand your plan, you’re unlikely to implement it successfully.

Our commitment goes beyond planning—we empower you to make smart choices with a step-by-step strategy that fits your lifestyle and values.

When Can You Retire?

One of the most common questions we hear is: Can I retire now—or do I have to keep working? With our support, we’ll run projections and stress tests to show you:

You may discover that you’re in a better position than you thought—maybe even able to retire sooner than planned.

When you can retire confidently
How much income you’ll have after taxes
How long your money will last

Why Choose A & D Financial Solutions?

At A & D Financial Solutions, we serve families—at all income levels. We provide financial education, personalized strategies, and ongoing support, so you don’t have to face retirement alone.

Our promise is to:

  • Help you understand your plan
  • Eliminate guesswork
  • Deliver a clear roadmap to retirement
  • Show how to make smart decisions today to enjoy freedom tomorrow

Whether your goal is to retire early, leave a legacy, or just sleep better at night knowing you have a plan—we’re here to help.

Take the First Step Toward Financial Independence

Start your journey today.

Your financial future deserves attention now, not later. Contact A & D Financial Solutions to schedule your complimentary consultation and discover how we can help you retire smarter, safer, and sooner.