Risk Management
Retirement Planning
Risk in retirement isn’t just about market losses — it’s about anything that could threaten your income, your lifestyle, or your long-term peace of mind.
Protect What You’ve Built: A Comprehensive Approach to Risk Management
A robust retirement strategy isn’t complete without a plan for managing financial risks. At Fullerton Financial, our advisors are dedicated to helping you create a financial plan that accounts for potential challenges, from market fluctuations to unexpected life events. By proactively incorporating risk management into your overall retirement plan, you can stay focused on what truly matters—enjoying the next chapter of your life.
What is Risk in Financial Planning?
Risk comes in many forms—market volatility, rising healthcare costs, or even outliving your retirement savings. Our team in Phoenix focus on helping retirees manage the risks that could affect their financial future. We work closely with you to identify potential risks and develop strategies that are tailored to your specific goals, risk tolerance, and long-term objectives.
Risk Management Strategies We Offer
Investment Risk Mitigation
Risk tolerance varies from person to person, and so should your investment strategy. Whether you’re nearing retirement and looking to grow your nest egg or already retired and focused on protecting your assets, we can help create a strategy designed to balance risk and reward. From diversifying your portfolio to rebalancing investments based on market conditions, our goal is to help you navigate the complexities of market risks.
Insurance Planning
Insurance is a critical component of risk management. Fullerton Financial works with you to assess your current coverage and identify any gaps that could leave you vulnerable. Whether it’s life insurance, disability, or long-term care, we ensure that your insurance strategy aligns with your overall financial plan.
Emergency Funds
Having a well-structured emergency fund can prevent you from liquidating investments at an inopportune time. We want to help you build a reserve that’s ready to cover unexpected costs, giving you flexibility as your financial needs evolve.
Long-Term Care Planning
As you age, the need for long-term care may become a reality. Preparing for this possibility may protect your assets and offer more options when the time comes. Whether through long-term care insurance or self-funding, we can help you incorporate this critical aspect into your overall financial plan.
Estate Planning
Risk management isn’t just about protecting your investments—it’s about ensuring that your legacy is preserved and passed on according to your wishes. Our estate planning professionals can help you create a comprehensive plan that includes wills, trusts, and beneficiary designations to protect your assets for future generations.
Stay Ahead of Financial Risks with Ongoing Support
Managing financial risks isn’t a one-time process. It requires regular monitoring and adjustments as your circumstances change. Our team at Fullerton Financial stays informed on market trends, economic shifts, and changes in your life to ensure that your risk management strategies are up to date. By taking a proactive approach, we aim to help you feel prepared no matter what lies ahead.
Stay Prepared—Schedule a Meeting Today
Don’t wait until risks become realities. Our financial advisors are here to help you stay ahead of potential challenges and aim to protect the retirement you’ve worked hard to build. Schedule a meeting with us today to discuss your personalized risk management strategy and explore how we can help you adjust your financial plan as life evolves.
Begin the Conversation with a Free Retirement Review
This isn’t a sales call. It’s a focused, one-on-one conversation about where you stand and what’s possible from here.
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.
See What Fullerton Can Do For You
Going from "I hope this works" to "I know I'm covered".
Experience You Can Trust
Retirement is too important to trust to a generalist. That’s why for over 20 years, Fullerton Financial Planning has focused exclusively on helping people transition from work to retirement — and thrive throughout it. We’re not trying to be everything to everyone. We’re built to help you do one thing incredibly well: Turn your life savings into reliable income and lasting financial confidence.
Why Families Across Arizona Trust Fullerton
- Over 20 years helping Arizona retirees create income that lasts
- Trusted by more than 2,000 Arizona households — and growing
- Independent, fiduciary-based advice — no quotas, no product push
- Certified Financial Planner™ (CFP®) professionals on staff
- Regularly featured on ABC15, MoneyRadio, and financial education outlets
- Local, in-person service — no national call centers or rotating advisor teams
- Planning approach integrates investments, income, tax, Medicare, and legacy goals
- Collaborative relationships with CPAs, estate attorneys, and insurance professionals
- Focused on education-first guidance, not sales pitches or one-size-fits-all plans
- Supported by a dedicated client service team with a reputation for proactive care
“I was nervous about retiring — but they helped me see the whole picture and gave me confidence to move forward.”
— Mary J., Scottsdale
“They made a complicated plan feel simple. I wish we’d come here five years earlier.”
— Brian & Sandra T., Mesa
“They treated me like a person, not a portfolio. I never felt pressured — just supported.”
— Teresa D., Chandler
“Our old advisor never talked about income or taxes — this team gave us a plan we could actually live on.”
— Kevin M., Sun City
The Fullerton Family
Standing Strong For Clients.
Stepping Up For the Community.
Leverage Our Experience
Retirement is our focus. See what over 20 years helping retiring clients can do for your future.
Still Wondering If This Is Right for You?
Here are some of the questions we hear most often — with straight answers to help you move forward confidently.
Q: How do I make sure I have enough to retire?
Q: How do I make sure I don’t run out of money later in retirement?
Q: What’s the best way to retire and not have to give up my lifestyle or be afraid of my budget?
Q: Why do I need more guaranteed income than just Social Security?
Q: How do I protect myself from future market downturns or crashes?
Q: When is the right time to retire?
The right time to retire is when you have a plan that works no matter what the economy is doing — one that protects your income, reduces your tax exposure, and supports your lifestyle with confidence.
We help you build that plan — so retirement becomes a decision based on your goals, not guesswork.
Q: How do I avoid being forced to go back to work or worse?
Q: How can annuities fit into my income plan?
Q: My current financial advisor still has me in risky investments. It feels wrong to me now that I’m older — but am I just worrying too much?
Q: I plan to retire in the next 10 years. Is it too early to begin planning?
Q: I want to retire sooner than 10 years… Am I too late to plan?
Q: How do I make sure my spouse is taken care of if I pass first?
Q: What changes to my investment strategy should I expect when transitioning to retirement?
Q: What does the Retirement Review cost?
Begin the Conversation
We’re here to listen, understand, and help you take control of your financial future.