Financial Planning Before Retirement

It’s never too early for retirement financial planning.

Do you need help creating a solid financial plan for retirement? We’ve helped hundreds to create a lifetime stream of income so they can retire according to their dreams. We'd love to help you, too!

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Start financial planning for retirement today to create a lifetime of income.

What do you imagine in retirement?

Do you want nothing more than to leave work, commute, and bosses behind and enjoy relaxing and carefree days? Do you want to travel, or spend more time closer to home? Do you want to volunteer more or spend more time on your hobbies?

Our mission is to help you financially plan your retirement so your dreams become reality. These are the key years that can make or break a retirement. Hire a financial planner for retirement to ensure you’re making the correct financial decisions to support your dreams. We help you create a financial plan which encompasses your financial security and the retirement you dream of.

We help you develop lifetime income. A good investment retirement plan should provide you with a consistent monthly check regardless of what is happening in politics, the economy, or the stock market. Contact us today to learn more about financial planning for retirement.

Fee-only advisors

We receive no commissions or have any financial incentive to recommend one strategy over another. We provide advice we think is best for your retirement.

Clean Record

You've worked hard for your money, and the advisors working for you should be clean and honest. In 22 years, we've never had any regulatory issues or complaints.

20 Years+ Experience

The president and lead financial advisor has over 22 years of retirement planning and investment experience. He is also a Ph.D. candidate in retirement planning.

Fiduciaries

We are fiduciary financial advisors - we always put our clients' interests first. Unfortunatly - most advisors are not fiduciaries.

Independent

We do not have our own products we will try to sell you. We only recommend strategies and investments that we think are best for you.

Transparent

Relationships are built on trust. Working with a financial advisor is a big decision. We try to make everything as transparent as possible so there are no surprises.

Fiduciary Financial Planner Irvine

We are true fiduciaries.

This means we always put our client’s best interests first. A true fiduciary also means that we are not part-time fiduciaries. We put our client’s best interests first in all cases and at all times. Less than 8% of financial advisors are true fiduciaries. Read our fiduciary oath to see the principles we live by.

You have enough to think about right now - trusting your retirement financial advisor shouldn't be something you have worry about! Choose a fiduciary financial advisor.

We help you create a lifetime of income for retirement

We spend a great deal of time with our clients to make sure we are taking advantage of every opportunity we can during planning for retirement. We try to leave no stone unturned and no strategy unexplored.

Make sure you are getting the right retirement financial advice now so when it comes time to retire, you can rest a little easier knowing you did everything you could.

Develop an income plan for life

Create an asset allocation that provides growth and income

Build a low-cost investment portfolio

Focus on risk reduction

Defer and/or minimize income taxes

Set up an automatic monthly retirement income payroll plan

Ensure the estate plan is completed

Pay down/off debt

Meet the Retirement Financial Planner

Robert is passionate about helping people planning for retirement. He’s the founder of Pacifica Wealth Advisors and has over 20 years experience as a retirement financial advisor.

You may have seen him on Katie Couric, Dr. Phil or Good Morning America as an expert in finances. Robert is a certified financial planner as well as a CFP® Ambassador, one of only 50 in the country!

Currently, he is earning his Ph.D. in retirement planning and is focused on how to make retirement portfolios last decades while providing a steady source of income.

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Meet the Retirement Financial Planner

Robert is passionate about helping people planning for retirement. He’s the founder of Pacifica Wealth Advisors and has over 20 years of experience as a retirement financial advisor.

You may have seen him on Katie Couric, Dr. Phil or Good Morning America as an expert in finances. Robert is a certified financial planner as well as a CFP® Ambassador, one of only 50 in the country!

Currently, he is earning his Ph.D. in retirement planning and is focused on how to make retirement portfolios last decades while providing a steady source of income.

COMMON QUESTIONS ABOUT PLANNING FOR RETIREMENT

For over 20 years, we've been helping answer these questions regarding financial planning for retirement.
  • Am I on the right track for retirement or should I do something different with my spending, saving, or investing?
  • What should I be thinking about and doing before I retire?
  • Am I taking too much or too little risk with my investments?
  • How much do I need to have saved before I can stop working?
  • How should my portfolio be allocated knowing I'm going to be retiring soon?
  • Am I on the right track for retirement or should I do something different with my spending, saving, or investing?
  • What should I be thinking about and doing before I retire?
  • Am I taking too much or too little risk with my investments?
  • How much do I need to have saved before I can stop working?
  • How should my portfolio be allocated knowing I'm going to be retiring soon?
  • If my taxes are going to go down in retirement, what should I do now while I'm still working?
  • Are there non-financial issues I should be thinking about before I retire?
  • What are the biggest risks to my financial plan that could delay my retirement?
  • When should I take Social Security?
  • If my taxes are going to go down in retirement, what should I do now while I'm still working?
  • Are there non-financial issues I should be thinking about before I retire?
  • What are the biggest risks to my financial plan that could delay my retirement?
  • When should I take Social Security?
Pacifica Wealth Advisors