We want to hear what matters most to you: what questions are on your mind, what you're hoping to figure out, and what a great retirement actually looks like for you.

On our end, we are hyper-focused on specific areas of retirement planning. Part of our fiduciary responsibility is being honest with you about whether our specialty is the right fit for your needs. And if for whatever reason we aren't able to assist you, we will do everything in our power to point you in the right direction. You came to us for guidance, and we take that responsibility seriously, regardless of the outcome of our conversation.



No preparation is needed. We simply ask that you come ready to share what's most important to you, and we'll take it from there.

We call this a Discovery Meeting, and the name is intentional. It works in two directions.

First, it's your chance to discover more about us: the services we offer, our investment philosophy, what it actually costs to hire us, and how we help our clients spend confidently in retirement without second-guessing every purchase. We want you to leave knowing exactly what working with Phibbs Financial looks like.

Second, it gives us the chance to discover more about you. What does your ideal retirement look like? What financial anxieties may be keeping you up at night? Once we understand your specific situation — your hopes, your goals, and your concerns — we can give you real, tailored observations. Not generic, back-of-the-napkin advice that may or may not apply to you.

Think of this as a deep-dive strategy session. We'll look at the gaps and opportunities in your current plan. Is there any room to improve? By the end of our meeting, you'll have a professional assessment of your retirement readiness, and together, we'll decide if Phibbs Financial is the right team to help you execute that plan.

Our proprietary report is built around answering your most pressing financial questions:

• How much can you spend per month?
• Is there an opportunity to reduce your taxes?
• Are you taking too much risk with your investments?

As you work through your Retirement Inspection® report, we'd encourage you to write down any questions that come to mind. No question is too small or too specific. We will schedule what we call our Thumbs Up/Thumbs Down Call. Our goal is straightforward: get any outstanding questions answered and then decide together how we'd like to move forward. There's no wrong outcome here. If it's a good fit, we'll talk about next steps. If it isn't, we'll part ways as friends.

After we decide to work together and the necessary documents are signed for us to advise you legally, we get to work building your Retirement Framework™. This is not a generic financial plan. It is a proprietary system we developed to make sure every area of your retirement is built correctly and nothing falls through the cracks.

For cash flow, we integrate a dynamic withdrawal strategy with Social Security planning so you have a reliable, tax-efficient income stream for the rest of your life. For investments, we build a portfolio balanced around protection, liquidity, and growth rather than chasing returns that have nothing to do with your actual life. For protection, we develop a Medicare and long-term care strategy so that a health event never becomes a financial one. For tax efficiency, we forward-look every year for ways to potentially reduce what you owe, not just file what happened. And for legacy strategies, we make sure the people and causes that matter to you benefit as efficiently as possible when the time comes.

Nothing gets skipped and nothing gets assumed. This is retirement planning the way it was always supposed to work

Because we’re family-owned, how we operate matters just as much as the advice we give. We hold ourselves to three core principles: professionalism, punctuality, and proficiency. Our job is to simplify complex financial choices, keep the plan on track, and deliver a level of service that feels personal and reliable.

We specialize exclusively in helping people navigate the complexities of retirement. Our typical client is 60+, within five years of retiring, and deeply values the 'Return on Life' their savings can provide. They’ve done the hard work of saving; now, they want a partner to help them coordinate their income, taxes, and legacy so they can enjoy the fruits of their labor without the financial stress.

Life doesn’t stand still, and neither does your financial plan. We provide proactive, ongoing guidance to navigate whatever comes your way—whether it's a market shift, a healthcare need, or a change in your family's goals. We’re here for every 'what if' and every milestone, providing the steady hand you need to enjoy your retirement with total confidence.

Our compensation is straightforward: we earn a professional fee based on the value of the portfolio we oversee for you. This is handled directly through your accounts, so you never have to worry about writing a separate check or dealing with surprise invoices. This single fee covers your entire retirement strategy, including your tax planning, income coordination, and our ongoing guidance. As your fiduciary, we are legally bound to put your interests above our own, and we keep our reporting crystal clear so you always know exactly where you stand.

Not at all. You maintain 100% control over your assets and your future. We operate with the mindset that our seat at your table is a privilege, not a right. Because there are no exit fees or restrictive contracts, the pressure is on us to consistently deliver the high level of service you expect. If your situation changes or you decide to go in a different direction, you can transition your accounts whenever you choose.

Your money stays exactly where it belongs: in your name. We partner with Altruist, an industry-leading custodian, to provide a secure infrastructure for your accounts. You retain full ownership, while we manage the investments on your behalf. Because we are an independent firm and Altruist is an independent custodian, there are no hidden agendas or sales quotas, just a transparent environment where your financial security is the only priority.

We facilitate an apples-to-apples transfer, meaning your assets migrate 'in-kind' without being sold or liquidated. This keeps you fully invested and avoids triggering unnecessary taxes. Once everything is safely settled, we’ll sit down together to review your strategy. We never make a single trade until you’ve reviewed and approved a plan that aligns with your specific goals.