Retirement Planning Financial Advisors
If you’re searching for a financial advisor, you’ve probably already noticed something:
There are a lot of options.
Some focus on investments.
Some sell products.
Some offer a one-time financial plan.
And for a while, that might be enough.
But as retirement gets closer, the questions start to change.
You’re no longer asking:
“Where should I invest?”
You’re asking:
- When can I retire?
- Where can I get health insurance?
- What should I do with my pension?
- When should I take Social Security?
- How do I avoid paying more in taxes than I need to?
This is usually the moment something starts to feel off.
You might be thinking:
“My current advisor is a nice person…
but they’re not really helping me answer these questions.”
Because these aren’t investment questions.
They’re retirement decisions.
And they’re all connected.
That’s when people realize:
They’re not just looking for someone to manage investments.
They’re looking for help making the right decisions.
Retirement Planning That Connects Income, Taxes, and Investments
At Keil Financial Partners, we focus on helping you make clear, coordinated decisions as you move into retirement.
Because retirement isn’t one decision.
It’s a series of decisions that build on each other over time.
We help you bring those decisions together around:
- Your retirement income
- Your taxes, both now and in the future
- Your investments
- Your Social Security and pension choices
So everything works together as one plan.
Retirement Planning That Brings It All Together
We use our 5-step Retirement Master Plan process to help everything comes together.
You’ve already spent years building your savings.
Now the focus shifts to:
- How you use your retirement accounts
- How you structure your income
- and how all the pieces connect
If you’ve read Jeremy Keil’s book, Retire Today, you’ll recognize this as the process we use to guide those decisions—so you’re not figuring it out on your own.
Why Retirement Decisions Need to Work Together
Most of the people we work with are used to being the expert in their field—they just haven’t had to make these decisions before.
And then they look around and realize many financial advisors focus on just one part of your situation.
Investments.
Taxes.
Or a one-time plan.
We focus on how the decisions connect.
Because even good individual decisions can lead to a frustrating outcome…if they’re not working together.
That means:
- Not just managing investments—but making sure they support your income
- Not just reducing taxes—but doing it in a way that fits your long-term plan
- Not just building a plan—but helping you make decisions as things change
Because retirement isn’t static. Your plan shouldn’t be either.
How We Help You Navigate Retirement Decisions
When you work with us, you’re not getting a one-time financial plan.
You’re getting ongoing guidance as you move through retirement.
Because retirement isn’t a single decision.
It’s a series of decisions—made over time.
We guide that process using a simple framework we’ve developed and refined over the past 20+ years—what we call your Retirement Master Plan.
It focuses on five key areas:
- Spend — What your retirement lifestyle actually costs
- Make — Where your income comes from (Social Security, pension, investments)
- Keep — How to reduce taxes over time
- Invest — How your investments support your income
- Leave — What happens to your money—and your legacy
If you’ve read Jeremy Keil’s book, Retire Today, this is the same framework we use to bring all your decisions together into one clear plan.
Because when everything is coordinated, it becomes much easier to understand—and much easier to act on.
What Ongoing Retirement Planning Includes
- A clear plan for how your retirement income works
- Ongoing tax planning and projections
- Investment management aligned with your plan
- Guidance on Social Security and pension decisions
- Help navigating healthcare and Medicare
- Regular updates as your life, the market, and tax rules change
Our team has been helping people through this transition for over twenty years.
And what we see is consistent:
The people who feel most confident in retirement…
aren’t the ones with the most money.
They’re the ones who understand how their plan works.
Where Many Advisors Fall Short
A lot of financial advice focuses on one piece of your situation.
Some advisors focus primarily on investments.
But your portfolio is just one part of your retirement.
If your income, taxes, and investments aren’t working together, it’s easy to miss opportunities—or make decisions that don’t fully support your plan.
Others build a plan once—and consider the work done.
But retirement doesn’t stay the same.
Your income changes.
Your tax situation changes.
Your priorities shift.
Your plan should change with it.
The Risk of Disconnected Advice
When decisions aren’t coordinated, the impact isn’t always obvious right away.
But over time, it can lead to:
- Paying more in taxes than necessary
- Taking income in ways that aren’t efficient
- Making decisions that limit flexibility later
- Missing opportunities you didn’t know were available
That’s not because you made a bad decision. It’s because the decisions weren’t connected.
Who We Typically Work With
Most of the people we work with are thoughtful and analytical.
They’ve been successful in their careers. They’re used to being the expert.
But retirement is different.
You only do it once.
You’ve never done it before. And you want to get it right.
This type of retirement planning is typically a good fit if:
- You want to retire within the next five years—even within the next 12 months.
- You’ve built retirement savings of $500k–$5M+
- You have a pension, 401(k), or both
- You want to make informed decisions—not guesses
A Quick Example
Let’s say you’re 64 and planning to retire within the next 12 months.
You’ve built solid savings.
You may have a pension.
You’re trying to figure out how everything fits together.
You’re not asking:
“Should I buy this fund?”
You’re asking:
- Can I retire now—or should I wait a year?
- When should I take Social Security?
- How does my income actually work once the paycheck stops?
- Am I making decisions that could cost me later?
That’s exactly where we help.
Retirement Financial Advisor
FAQ
A Simple Way to Get Started
You don’t need everything figured out before reaching out.
Most people don’t.
The first step is a simple conversation.
We’ll talk through:
- Where you are today
- The decisions in front of you
- And whether it makes sense to build a plan together
You don’t need to have everything figured out. Most people don’t.
You just need a place to start.
Retirement Financial Advisor in Milwaukee, Working with Clients Nationwide
If you’re getting close to retirement, you’ll find plenty of general information out there.
But much of it doesn’t help you make your specific decisions.
That’s where working with a retirement-focused advisor can help.
Keil Financial Partners is based in the Milwaukee area, and we work with individuals and couples both locally and across the country who are:
- Preparing to retire
- Making income decisions
- Evaluating Social Security and pensions
- And trying to make sure everything works together
Whether you’re nearby or working with us remotely, the goal is the same:
Help you make decisions you feel confident about.