Plan your future. Enjoy a Predictable Income for Life.

You’ve worked hard for decades to build your savings. Now, as you approach or enter retirement, your focus shifts from accumulating wealth to making it last. At Impact Financial, our goal focuses on helping individuals turn their hard-earned assets into a dependable and lasting stream of income.

Many people worry about outliving their savings or navigating the complexities of Social Security, Medicare, and investment withdrawals. We can help you feel confident and start enjoying the retirement you’ve earned.

Plan your future.

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We believe a successful retirement starts with a clear, personalized plan. Our process goes beyond simply managing investments; we create a comprehensive strategy that addresses every aspect of your financial life.

Analyze Your Goals and Lifestyle: We'll start by understanding what you want your retirement to look like. Do you want to travel extensively, or are you planning to stay close to family? We'll help you project your future expenses and income needs.
Optimize Your Social Security and Pensions: Timing is everything. We'll help you decide when to take your Social Security benefits to maximize your lifetime income and navigate any pension decisions you may face.
Create a Sustainable Withdrawal Strategy: We'll design a plan that dictates how and when to draw from your investments, with a goal for your money to last throughout your retirement. This includes strategies for managing your required minimum distributions (RMDs) and mitigating tax liabilities.
Manage Your Investments for Income and Stability: Your investment portfolio in retirement has a different purpose. We'll help you transition from a growth-focused strategy to one that prioritizes capital preservation and generates reliable income, while still providing potential for growth to outpace inflation.