Our Services

At Advantage Financial Planning, we focus on two things that matter most in the years leading up to and throughout retirement: retirement planning and retirement income planning. We help you answer the big questions—When should I take Social Security? How should I invest for long-term income? How do I withdraw money tax-efficiently? Will my savings last?—and turn those answers into a coordinated plan you can rely on.

Our service model integrates every major part of retirement success: income planning, investment strategy, tax reduction, RMD planning, healthcare and long-term care strategies, and estate and legacy considerations. By bringing all of these areas together, we help you build a retirement income plan designed to last 20–30 years or more.

Your life will change—your plan should too. We provide ongoing guidance and structure so your retirement strategy stays aligned with your goals at every stage.

Cash Flow Management

We review your income, expenses, and debt to create strategies that keep your finances organized and aligned with your goals.

Retirement Income Planning

We design sustainable income strategies for your retirement years, including withdrawal sequencing, Social Security timing, and tax-efficient income streams to make your money last.

Investment Considerations

We assess your risk tolerance, current asset allocation, and portfolio structure to ensure your investments are aligned with your overall plan.

Education Planning

We help you prepare for education expenses by projecting costs and identifying the most effective savings strategies.

Scenario Testing

We model different 'what if' situations, such as market downturns, large purchases, or changes in retirement timing, so you can see how your plan holds up.

Retirement Planning

We project future retirement needs, model different ages and lifestyle scenarios, and create a roadmap to help you reach your retirement goals.

Tax Planning Strategies

We look for ways to reduce your lifetime tax burden through account selection, withdrawal sequencing, Roth strategies, and charitable giving approaches.

Insurance and Risk Management

We evaluate your life, disability, long-term care, and liability coverage to ensure your family and financial plan are protected.

Estate Planning Considerations

We coordinate with your attorney to ensure wills, trusts, and beneficiary designations reflect your wishes and help minimize probate issues.

Ongoing Reviews and Updates

We provide quarterly reviews, monitor your progress, and adjust your plan as life, laws, and goals evolve.