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.
Earn More Income With the Same Nest Egg
Retire With Real-Life Confidence
Live More and Manage Less
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 retirement strategy
Had to go back to work in retirement just to pay the bills
Second-guesses every gift, treat or vacation – taking the fun out of generosity
Watches CNBC and their investments more than their grandkids.
Built real wealth, only to now watch it quietly drained by avoidable taxes.
Maybe you know someone who…
Maybe that someone is you…
You deserve a strategy built for living on your wealth. Not just growing it.
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Build a Clear Retirement Plan
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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Withdraw More, For Longer
Traditional retirement plans only let you live on 4% of your assets, our clients are able to live on up 8% safely and consistently.
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More Living, More Giving, Less Worry
When your income is steady, your hands are free to serve, give, and enjoy.
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 handed cookie-cuter portfolios, vague risk scores and no real strategy — just hope in the market.
And they left with more questions than answers, like:
When can I afford to retire?
How can I make my money last?
That’s what we do here. We cover your deepest concerns with simple answers and 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.