Estate Planning
Protect What You’ve Earned
You’ve worked hard for decades—now it’s time to protect what you’ve earned. A comprehensive estate plan not only safeguards your assets but also ensures your loved ones are taken care of in the future. At Fullerton Financial, we focus on creating personalized estate plans designed to provide peace of mind for you and your family.
Whether you’re concerned about passing on wealth, managing complex assets, or ensuring your estate is handled according to your wishes, our team of financial advisors in Phoenix is here to help. We prioritize your legacy, offering strategies that ensure your values and goals are reflected in your plan.
Build an Income Plan That Carries You — Without Slowing You Down
A Strategy for What Matters Most
Protect What You’ve Built
Our estate planning services go beyond traditional wills and trusts. By incorporating a wide range of financial tools, we create estate plans that optimize tax strategies, protect your assets, and ensure a seamless transition of wealth to the next generation. Our team works with you to:
- Protect Your Family’s Future: A detailed estate plan ensures your loved ones are cared for and minimizes legal complications.
- Minimize Taxes: We use tax-efficient strategies that aim to preserve your estate and reduce the tax burden for your beneficiaries.
- Preserve Your Wealth: From asset protection to legacy planning, we want to help you secure your financial future.
- Control Over Your Plan: Ensure your wishes are carried out by working closely with our professionals to draft a comprehensive estate plan.
- Stay Flexible: We continually review and update your estate plan as circumstances change, ensuring it remains effective over time.
Working with Fullerton Financial means you have a team of professionals dedicated to ensuring that your estate planning needs are handled with the utmost care. With decades of experience, we help clients throughout Phoenix navigate the complexities of estate planning, from risk management and tax planning to legacy preservation and wealth transfer.
Estate Planning with Retirement in Mind
Estate planning and retirement planning are intertwined. As you plan for your golden years, we help you budget for future expenses, aiming to ensure that you have a stable income while also preparing for legacy distribution. By considering retirement and estate planning together, we want to maximize your ability to enjoy the life you’ve built while providing a secure future for your heirs.
Getting Started
Our Estate Planning Approach
Assess
We begin with a thorough assessment of your current and projected financial position, considering assets, liabilities, income, and expenses. Understanding the full picture allows us to craft a customized plan tailored to your needs.
Plan
After gathering your financial details, we develop a comprehensive, tax-optimized estate plan that is designed to secure your legacy. We aim to provide clarity and control over the distribution of your assets while minimizing legal and financial complexities.
Review
Life circumstances change, and so do financial needs. We conduct regular reviews to ensure that your estate plan stays up to date, reflecting your evolving goals and making sure that your assets are always protected.
Tactics
Take Control of Your Future with Fullerton Financial Estate Planning
There’s only one way to mitigate life’s uncertainties: plan for the expected and the unpredictable. Working with a team of financial advisors and estate planning professionals in Phoenix, Arizona, can provide invaluable peace of mind and protect your legacy and your family’s future.
Proper estate planning can be complicated, but reliable guidance from a trusted team can instill a sense of security and confidence no matter what life throws your way.
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.