Retirement Planning Advisor for Pre-Retirees & Federal Employees

If you’re within 5 to 10 years of retirement, now is the time to get serious about a plan. As a retirement planning advisor, we help individuals and families build clear, confident strategies to retire on time—and stay retired with purpose. Whether you're in Middleton, Jackson, or the surrounding areas of Hardeman or McNairy County, we’ll guide you through smart, personal planning decisions that match your goals.

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What Retirement Planning Looks Like With Us

We keep things simple. No hard sell, no confusing jargon—just honest conversations and thoughtful planning. Our retirement financial planning services are tailored to your situation, helping you transition smoothly from working years to retirement income. Whether you're maxing out a 401(k), eyeing a pension, or trying to time Social Security right, we’ll help you make sense of it all and put a plan in place that works.

How Ready Are You for Retirement?

Knowing where you stand today is the first step toward retiring comfortably. Here’s what we help you assess:

  • Your current savings & investment structure

  • Target retirement age & desired lifestyle

  • Pension, TSP, or 401(k) income potential

  • Social Security timing & tax implications

  • Insurance needs for healthcare or long-term care


If you're asking, "Can I retire at 60 with my savings?" or "How much should I have saved by now?"—you’re in the right place.

5–10 Years From Retirement? Here’s Your Checklist

When you’re still working but retirement is getting close, small changes can make a big difference.

  • Review retirement account contributions & catch-up options

  • Reevaluate investment risk for income needs

  • Estimate future expenses & healthcare costs

  • Begin thinking about withdrawal strategies

  • Understand how your tax picture will shift in retirement

  • Plan when and how to claim Social Security

  • Start consolidating old retirement accounts

Many of our clients in west Tennessee and north Mississippi come to us looking for a clear next step. This checklist is how we help them get there.


Our Retirement Planning Process

Every person we work with starts with a conversation. From there, we build a full picture:

  • Identify your financial priorities & goals

  • Analyze savings, income streams & liabilities

  • Adjust investments for retirement income

  • Create a long-term tax strategy

  • Review insurance needs

  • Develop a retirement income timeline

We revisit your plan regularly—at least quarterly—because the road to retirement isn’t static. Life changes, and your financial strategy should evolve with it.

What If You're a Federal Employee?

If you're a federal employee or part of the Forest Service, we understand your retirement system better than most. As a Chartered Federal Employee Benefit Consultant™, we’ll help you make the most of your FERS pension, TSP, and survivor benefits.


Learn more about our Federal Employee Retirement Planning services

Need Help Planning Your Investments?

We specialize in income-producing investment strategies designed to support retirement goals.


Explore our  Investment Management approach

Planning for Taxes & Healthcare in Retirement

When your paycheck stops, taxes don’t. We’ll help you make tax-smart decisions about when and how to draw income from IRAs, 401(k)s, and Social Security. We also address long-term care, Medicare gaps, and other health-related expenses.


See how our  Tax Planning and  Insurance Planning services fit into your strategy

Common Retirement Questions—Answered

  • How much do I need to retire comfortably?

    That depends on your lifestyle, fixed expenses, healthcare needs, and income sources. We can help you calculate your number.

  • When should I take Social Security?

    Claiming early can reduce your benefit, but waiting too long isn’t always the best move. We’ll model your options so you can choose confidently.

  • What should I do 5 years before I retire?

    Review your savings strategy, minimize high-interest debt, adjust your investment risk, and start picturing your retirement budget. We’ll walk through all of that with you.

  • What if I want to retire early?

    Early retirement is possible, but it takes planning. We’ll help you account for health insurance, early withdrawal penalties, and long-term sustainability.

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Let’s Talk About What Retirement Could Look Like for You

If you're within 5–10 years of retirement and want a plan that’s built to last, we’d love to talk.