How We Help Our Clients

Comprehensive Income Planning

A detailed, dollar-by-dollar analysis of how much money you will generate each month compared to how much you need.A detailed, dollar-by-dollar analysis of how much money you will generate each month compared to how much you need. 


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Tax Planning

Avoid annual tax surprises by proactively planning for the impact of taxes instead of passively preparing your taxes. This could be the difference between a stressful retirement and a retirement with peace of mind.


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Holistic Estate Planning

Make sure that your assets go where they should, as efficiently as they can, once you no longer need them.


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Legacy Planning

Spend-thrift heirs and Uncle Sam can ruin an estate plan in just a few short years. Protect your life’s work to ensure a legacy for generations.


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Retirement Education

The best-laid plan in the world means nothing if you don’t know what it does. We work side-by-side with our clients to ensure they know everything that’s going on. 


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Umbrella of Experts

We have a comprehensive team of specialists to make sure you get the best advice for any problem you may discover in your retirement.


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How We Help Our Clients

At Franklin Retirement, we operate according to our clients’ needs. Our clients were and are middle-income savers and they come to us looking for help and reassurance that they will be able to retire and stay retired. Knowing that, our team of retirement specialists and professionals work daily to deliver custom-tailored holistic solutions to each of our clients’ every need.

No cookie cutter approaches here. Each of our clients presents a unique jigsaw puzzle. Our first goal is to ensure our clients don’t run out of money before they run out of time. By putting plans together that generate a pension-like lifetime stream of inflation-adjusted income for our clients, we help take the worry away and allow our them to retire with peace of mind.

So what do offer each of our clients?


Comprehensive Income Planning


One thing that every retiree needs is a comprehensive income plan. More than an aspirational monthly budget (that no one sticks to anyway), at Franklin Retirement, we go over every client’s expenses in a deep dollar-by-dollar analysis of their monthly spending. Once that’s complete, we look at pensions, expected social security income (including multiple timing scenarios and claiming strategies) and retirement account distributions to calculate the optimal way to generate the necessary income needed each month. This spend and income analysis is the backbone of Franklin Retirement’s comprehensive income plan. With our comprehensive income plan, our clients know that they will have enough money each month and that they won’t run out of money before they and their spouse run out of time, they know they can have a retirement free of worry and they develop peace of mind about their retirement plans.


Tax Planning


Once our clients retire, the way they pay their taxes completely changes. For one, they’re no longer getting taxes taken out of their paychecks each week. They’re now fully responsible for saving for their income taxes completely. Secondly, depending on how their retirement accounts are withdrawn and taxed, they may move into a different tax bracket. These tax changes can cause a lot of surprises and a lot of anguish when April rolls around. But at Franklin Retirement we have tax planning specialists—accountants that help each of our clients proactively plan for these tax changes, and who work closely with our financial advisors to develop optimal distribution plans to mitigate annual tax burdens as much as possible.


Estate Planning


Our clients are savers. They didn’t spend too much in their working years and they don’t spend too much in retirement. Sound familiar? Our clients almost always leave a sizable estate for their heirs, and it’s important to plan your estate properly. More and more money is being conveyed through IRAs and retirement accounts that do not pass through a will. Family situations grow more complex each year. It is important to have a comprehensive estate plan that ties into your income plans and tax plans to ensure your wishes are kept and your life’s work isn’t squandered after you’re gone. As such, Franklin Retirement has an in-house estate planning attorney that works hand in hand with our financial professionals to coordinate your estate wishes with your financial plans.


Legacy Planning


The ability to leave a lasting legacy through your estate becomes harder and harder each year. Money in retirement accounts passes to beneficiaries specified on a sheet and not through probate. Beneficiaries often receive lump sum amounts, which are more susceptible to high taxes and being squandered (the average time between receiving an inheritance and buying a new car? 19 days!). Additionally, Uncle Sam and nursing homes can threaten assets before they even become part of your estate. At Franklin Retirement, we work closely with our in-house estate planning attorney to develop strategies to protect assets both in life and in death and automatically create legacies for the heirs and beneficiaries of our clients.


Retirement Education


The world of finance is incredibly complex, even to seasoned do-it-yourselfers. In order for us to act in our clients’ best interests—something we at Franklin Retirement are obligated to do due to our being fiduciaries—we have to understand their needs and concerns. And our clients have to understand what we’re doing. At Franklin Retirement, we don’t end a meeting until every single one of our client’s questions have been answered and every single concern they may have has been addressed. Nothing good is ever accomplished by a client only knowing half of what is going on. Part of the Franklin Retirement Solutions experience is overall retirement education.


Team of Specialists & Experts


Modern technology has delivered devices that can do almost anything and do each task flawlessly. That’s what our clients expect their devices, and it’s what they expect from Franklin Retirement Solutions. And we deliver. In addition to our seasoned financial planning specialists that are dually licensed and operate as fiduciaries, we have an in-house estate planning attorney, tax-planning CPAs, Medicare specialists, a home organization specialist that excels in helping clients clean house as they downsize and a real estate agent here to help with downsizing and identifying vacation homes. Modern retirees have an expanding set of unique needs. At Franklin Retirement, we make it our goal to meet those needs and exceed expectations.