Retire With Confidence
Your Retirement Dreams Begin Here
Build a personalized retirement strategy that fuels your lifestyle, protects your legacy, and gives you financial confidence from now on, no matter what.
Turning Savings Into Strategy
Build a Strategy to Protect Your Future — Create the Income You Need to Enjoy Retirement Your Way.
Schedule Your Retirement Review
We start with a no-pressure conversation to understand your goals, timeline, and concerns. Get your questions answered and meet the team that’s ready to support your future.
Retirement Income Planning
We design a custom income strategy built around your lifestyle and your financial goals — including investments, annuities, Social Security timing, and tax efficiency.
With You Every Step of the Way
Becoming a Fullerton client means joining a family that’s here for you — for the long run. As retirement evolves, so does your plan. We’ll be right here to guide each step forward.
Take Control of Your Retirement
We bring structure to your income, investments, taxes, and legacy planning to help you plan for a secure future — without your previous paycheck.
The Fullerton Family
Standing Strong For Clients.
Stepping Up For the Community.
More Than Advisors
For over 20 years, Fullerton Financial Planning has been dedicated to helping individuals and families across Arizona navigate their financial journeys with confidence. Founded by Stephanie and Steve Fullerton, our firm combines deep experience with a heartfelt commitment to service — ensuring every client feels understood and supported.
When you work with us, you end up with more than a partner — you gain a team that cares about your future like it’s their own. We take the time to understand what matters most to you, then help to build a strategy designed to reflect your values, support your goals, and grow with you. And because we believe real success should reach beyond numbers, we stay actively involved in the community we serve — just like we stay connected to the families we work with.
See What Fullerton Can Do For You
Going from “I hope this works” to “I know I’m covered”.
The Fullerton Approach
Built With Experience. Backed By Service.
Retirement Income Planning
The closer you get to retirement, the more real it becomes: you’ll need to live without a paycheck.
No paycheck means no more income… or does it?
At Fullerton Financial Planning, we design income strategies that turn what you’ve saved into a structured, dependable income stream — one that feels like a new paycheck. By combining investments and annuities, the income you generate is designed to exceed what could be safely drawn from a nest egg alone — with built in market crash protection.
This isn’t just about preservation — it’s about putting your assets to work. You’ve built wealth over a lifetime. Now it’s time to shape that wealth into income designed to provide for you — and your spouse — for life.
Social Security Strategy
You only get one chance to claim Social Security — and the decision you make could impact your income for the rest of your life. Most people don’t realize how much they stand to lose by filing at the wrong time.
At Fullerton Financial Planning, we help you coordinate your Social Security benefits with your overall retirement income plan — so you’re not just picking a date, you’re making a decision that fits your life. We factor in your age, income sources, spousal considerations, and tax implications to help you make a choice that supports your goals now and decades from now.
This isn’t guesswork — it’s a strategy. Because when Social Security works in sync with the rest of your plan, it can do more than provide a benefit — it can help secure your retirement.
Retirement Annuities
Planning for retirement income works best when your income sources are guaranteed. Market volatility, inflation, and rising costs make it difficult — and unwise — to rely on withdrawals alone.
Using the power of deferral, some annuities allow your income base to grow over time until you’re ready to start taking it. The result is competitive, guaranteed lifetime income that remains protected — even if you live long enough to outlast your principal.
We can help evaluate how annuities fit into your broader strategy — covering living and lifestyle expenses, so the rest of your portfolio can stay positioned for growth. Some annuities offer high guaranteed income, no fees, principal protection, and benefits for your heirs. The key is knowing which annuities to consider — and which ones to avoid.
Investment Management
Your investment strategy should reflect your personal goals, risk tolerance, and financial landscape. At Fullerton Financial Planning, we work closely with you to design a diversified portfolio tailored to your objectives. Our approach emphasizes understanding your unique situation to help you make informed investment decisions that support your long-term financial aspirations.
Tax Planning
Taxes play a major role in retirement, which is why we take time to explore how your income, investments, and withdrawal strategies work together. Our tax planning approach is designed to help you identify opportunities for efficiency based on your specific situation. We collaborate with tax professionals and your advisory team to align your financial strategy with current tax considerations, helping you stay informed and prepared as you move through retirement.
Financial Planning
At Fullerton Financial Planning, we collaborate with you to develop a personalized financial strategy tailored to your unique goals and life stage. Whether you’re preparing for retirement, saving for education, or planning your estate, our approach encompasses budgeting, investment strategies, and risk management to support your financial well-being. Together, we’ll chart a course aimed at helping you navigate life’s financial milestones with confidence.
Medicare Planning
Navigating Medicare can be complex, but you don’t have to do it alone. Through our partnership with AE Medicare Solutions, we provide guidance to help you understand your Medicare options, evaluate costs, and make informed decisions about your healthcare coverage. Our goal is to assist you in developing a healthcare strategy that aligns with your needs and financial situation.
Estate Planning
You’ve worked hard to build your legacy—now it’s time to plan for its future. We collaborate with you to develop a personalized estate strategy that considers your assets, family dynamics, and long-term goals. Our approach includes reviewing your current financial situation, discussing your wishes for asset distribution, and coordinating with legal professionals as needed. Together, we aim to create a plan that reflects your values and provides clarity for your loved ones.
Begin the Conversation
Leverage Our 20 Years Experience By Getting a Head Start On Your Retirement Strategy.
What We’ll Cover in Your Retirement Review
Lifestyle Goals
What do you want retirement to actually look like? Travel, freedom, family, security — we start with the life you want, then build around it.
Current Assets
We’ll review what you’ve built — and help uncover smarter ways to use your 401(k), IRA, or savings more effectively for retirement income.
Income Planning
We’ll identify where your income will come from — and how to make sure it covers what you care about without relying too heavily on the market.
Risk & Tax Exposure
We’ll evaluate how your plan holds up to taxes, longevity, healthcare costs, and market shifts — so your income stays steady, even when life doesn’t.
Long-Term Strategy
We’ll help you turn what you’ve saved into income that lasts — without sacrificing the lifestyle you worked so hard to build.
The Next Steps
By the end of the meeting, you’ll have clarity on what’s working, what’s missing, and what to do next.
What You Get With Fullerton
- A retirement income plan built around your lifestyle goals — not a generic formula
- A coordinated investment and withdrawal strategy that supports income for life
- Social Security timing guidance to help you get the most from your benefits
- A reliable income floor — often supported by high-quality annuities with GLWBs, when appropriate
- Tax-smart withdrawal strategies designed to adapt to changing laws and future needs
- Personalized guidance on Medicare and long-term care planning
- A clear roadmap for RMDs, Roth conversions, and income sequencing
- Legacy and beneficiary planning that protects your spouse and supports your values
- Ongoing reviews and proactive adjustments to keep your plan aligned as life evolves
- Direct access to your advisor — no call centers, no hand-offs
- A secure client portal with full access to your plan and documents
Invitations to Fullerton’s exclusive client events and appreciation gatherings - A local, retirement-minded community with shared goals and values
- Financial confidence for your spouse and family — with clarity, not complexity
- Experienced, time-tested guidance from a leading independent Arizona-based planning firm focused on your future
Income
Planning
A strategy to turn your savings into reliable, steady income — so your lifestyle stays on track in retirement.
Tax
Planning
Smart planning to reduce future taxes and keep more of your money working for you.
Health Care
Planning
Protection against rising healthcare costs, including long-term care, built into your plan.
Risk
Management
A clear approach to guarding your wealth from market swings, inflation, and the unexpected.
Real Estate
And Legacy
Planning
A plan for your assets and property that preserves your legacy and supports your loved ones.
Planning With Fullerton
Relationship Building
You’re not just another account. At Fullerton, every relationship begins with real conversation — taking time to understand your values, priorities, and goals. That connection becomes the foundation for a plan that’s built around you, not a formula.
Personalized Experience
No two retirements are the same. Your strategy will reflect your unique goals, lifestyle, and financial position. Everything is tailor-made: your income structured, your tax plan, and the preservation of legacy. The difference in the details — because it is built around you.
Holistic Approach
A good plan looks beyond the numbers. Your lifestyle, your family, your values — it’s all connected. That’s why our planning process considers every part of your life, not just your portfolio — leaving no stone unturned.
Upcoming Events
Interested in attending our exclusive client events? Join our Client Events Interest List to be considered for future opportunities. Click below to fill out the form and express your interest!
Our Partner Programs
We believe true success includes making a difference in the lives of others. That’s why we partner with organizations like Phoenix Children’s Hospital, Make-A-Wish Foundation, Young Life, and many others. Through financial support and hands-on involvement, we’re committed to strengthening the communities we serve — one cause at a time.
Still Have Questions?
Schedule a meeting or attend a seminar to learn more about Retirement, Investing, and how to better protect your future.