Is Your Retirement Strategy Still Working for You?
Markets Shift. Tax Laws Change. Life Evolves. Your Plan Should Too.
Retirement planning isn’t a “set it and forget it” process. Even the best-laid plans need mid-course adjustments to stay effective. That’s why Fullerton Financial Planning offers a complimentary 1-hour Mid-Year Retirement Checkup—a personalized, face-to-face review of your entire retirement strategy.
This isn’t a sales pitch. It’s a strategic session designed to help you adapt your financial plan to today’s changing world—so you can move into the second half of the year with clarity, confidence, and control.
Why Now? Key Changes You Can’t Afford to Ignore
The financial landscape is shifting—and waiting until year-end to act could cost you. Here’s why booking now matters:
2025 May Be Your Last Chance to Act Before Major Tax Increases
Many of the tax breaks from the 2017 Tax Cuts and Jobs Act are set to expire after 2025. That means:
- Higher income tax brackets
- Reduced standard deductions
- Lower estate tax exemptions
Planning in advance—before the rush in 2026—could save you thousands in future taxes. We’ll explore strategies like:
- Roth conversions before rates rise
- Maximizing charitable giving with QCDs
- Timing asset sales or withdrawals to take advantage of current brackets
SECURE Act 2.0 Is in Effect
Recent updates have reshaped retirement planning:
- RMDs now start at age 73 (and rising to 75 for some)
- Catch-up contributions are changing—with income limits and Roth mandates
- New opportunities for 529-to-Roth rollovers may impact legacy and education planning
We help you navigate what’s changed—and what’s ahead.
Market Volatility and Inflation Persist
Markets remain unpredictable. Inflation continues to impact spending power. A checkup can reveal:
- Whether your investment mix still aligns with your goals and risk tolerance
- If you’re drawing income too aggressively—or too conservatively
- How inflation is impacting your retirement income plan
Introducing the Fullerton 360° Retirement Advantage
At Fullerton Financial Planning, we don’t believe in cookie-cutter plans. Our 360 Retirement Advantage is a holistic, five-pillar approach that integrates every key area of your retirement life. During your complimentary 45-minute checkup, we’ll walk you through these five pillars to ensure nothing is overlooked:
The Five Pillars We Review in Your Mid-Year Checkup
1. Income Planning
You’ve worked hard for your savings—now it’s time to ensure that income works for you. We’ll evaluate:
- Your current withdrawal strategy and distribution schedule
- Cash flow alignment with lifestyle goals
- Opportunities to extend income longevity and reduce volatility
2. Tax Planning — Especially This Year
Tax laws continue to shift—and staying proactive is key. In 2025, new tax thresholds and SECURE Act 2.0 updates are changing how retirees should plan. We’ll help you:
- Evaluate Roth conversion windows before 2025’s tax cuts potentially sunset in 2026
- Plan for Required Minimum Distribution (RMD) changes, including new age thresholds
- Understand changes to catch-up contributions and Qualified Charitable Distributions (QCDs)
- Identify overlooked deductions and credits that may impact your bottom line
Did You Know?
Many retirees will face higher taxes in future years due to expiring tax cuts. Acting now may significantly reduce your future tax burden.
3. Healthcare & Long-Term Care Planning
Healthcare remains the most underestimated retirement expense. In this checkup, we’ll:
- Review Medicare and supplemental insurance plans
- Identify gaps in coverage and potential out-of-pocket surprises
- Explore long-term care insurance or alternative coverage strategies
4. Risk Management
Markets are volatile, and unexpected events can derail your plans. We’ll help you:
- Reassess your investment risk tolerance and portfolio exposure
- Identify insurance gaps or over-coverage
- Build protection strategies for legacy assets and dependents
5. Real Estate & Legacy Planning
Whether you’re passing on wealth or navigating real estate assets, we’ll ensure your strategy is sound. We’ll:
- Review estate documents and beneficiary designations
- Strategize on efficient wealth transfer and tax impact
- Explore ways to maximize real estate value and minimize burden
Why Fullerton? We Don’t Just Review—We Realign.
Our mission is to help you retire with clarity, confidence, and control. With every checkup, you benefit from:
- Relationship-Driven Guidance: We get to know you, not just your finances
- A Personalized Plan: Every recommendation is customized to your goals, values, and vision
- A Holistic View: We connect all the pieces—income, tax, healthcare, and estate planning—so nothing falls through the cracks
Book Your Free Mid-Year Retirement Checkup
- 45-minute personalized session
- No cost. No pressure.
- Real strategies to optimize your second half of the year
You’ve come this far. Let’s make sure your plan is working as hard as you did to build it.
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.