Retirement Key Process®


Step One

Information Gathering

We explore your concerns, goals, and needs in retirement and gather the details of your retirement savings and income streams so we can build the foundation for your plan.


Step Two


We provide you with an analysis of your portfolio and your retirement outlook (Where Do I Stand Plan). We then present the foundation of your retirement income plan.


Step Three

Recommendations & Implementation

We dive into the details of the proposed plan and provide you with our specific recommendations. If you choose to move forward, we will also begin the implementation of your plan.


Step Four

Check-In & Maintenance

To keep up with life and economic changes, we initiate quarterly reviews, communicate market updates, and our service team relays any necessary information as it relates to the status of your accounts.

Financial Services


Our firm provides full-service retirement planning, addressing both Phase 1 (investment planning) and Phase 2 (income planning) of the retirement planning process. From life goals to tax strategies, we put all of the pieces together into a comprehensive, written retirement plan.

We’re fluent in retirement income strategies. However, we discuss all areas of principal protection, savings, and growth potential, taking into account your entire financial picture to help ensure you make the right decisions about your financial future. Our services include:

Phase 1:

Investment Planning

Less risk and often lower cost and fees

  • Investments
  • Growth & Accumulation

Phase 2:

Income Planning

Serving only 55+, those preparing for retirement

  • Protection of principal
  • Plan for receiving income
  • Social Security
  • RMDs
  • Long-term care
  • Tax planning strategy


A robust retirement income plan includes Social Security, RMDs, life insurance, pensions, annuities, optional income for life, tax strategies, long-term care, and more. We combine all of these into a comprehensive, actionable plan that gives you a road map for your retirement.

Nearing and in retirement, principal protection is crucial for a sound financial plan. You have worked long and hard to accumulate funds for retirement and when working income ceases, those funds need to be protected. We evaluate your overall needs, then help you ensure that the money you rely on for your retirement is not fully exposed in the market.


With today’s ever-changing markets, it’s important to stay on top of your portfolio. We know many people don’t have the time to manage their investments, which is where we can help. We offer an array of investment management strategies and tools to help you create a portfolio that matches up with your personal financial goals and objectives.

It’s been said to not place all your eggs in one basket. The same can be said of your financial portfolio. We’ve experienced an unprecedented bull market over the last few years, but are you prepared for that bull to become a bear? Our objective is to utilize investments that are a proper fit for each individual investor rather than a one-size-fits-all, traditional approach used by many others in the industry.

We offer both full and partial investment planning depending on your time, needs and goals for retirement. In both cases, our firm understands that for someone nearing or in retirement, reducing risk on all fronts is key when moving into retirement.

Our firm understands the value of positioning assets in low-volatility environments that seek to generate higher returns with less market risk. This concept is known as alpha (α) and is a fundamental part of our philosophy with the goal of helping generate solid returns with less risk. If you are close to or in retirement, exploring your investment options for less-volatile means of growth might benefit your financial portfolio.

Social Security Optimization Planning

Everyone needs a strategy to maximize Social Security benefits. Many don’t have one, and there is much to consider. Whether it’s reducing taxes on Social Security benefits, suspending, deferring, or recalculating, Abich Financial can help you put together a Social Security action plan to help you optimize your benefits.

Required Minimum Distribution Planning

What are RMDs, and when are they required? How is the amount of an RMD calculated? How will RMDs affect your overall income plan in retirement, and how can you plan for retirement withdrawals from your nest egg? We can help you with an RMD strategy so that you can safely withdraw them and use the funds however you wish.

Tax Planning

When you come in for tax planning, we create a personalized tax map for you. The new tax plan could mean new tax strategies. As important as it is to be investment-diversified, we believe it is equally important to be tax-diversified. Our team helps our clients determine whether it makes sense to strategically withdraw pre-taxable retirement dollars now and convert them into Roth IRAs and other after-tax vehicles so that you can potentially pay less tax now instead of more down the road.

*Note: Our firm is here to facilitate your goals. While our philosophy includes both Phases 1 & 2, we do not require an “all or nothing” commitment for your retirement plan; if desired, we can help you with either investment or income planning.

Tax and/or legal advice is not offered by Abich Financial Services or their affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

Discover the 7 steps to retirement

For more information about retirement planning and to download your copy of the 7 Steps To Retirement handout, fill out the form below.

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