Financial Planning for Retirees

Life After Work

You’re retired—now let’s keep it working for you.

You’ve crossed the finish line—but retirement doesn’t mean the planning stops. In fact, the decisions you make now can have just as much impact as the ones that got you here.


At Freedom Financial Planning Solutions, although we specialize in helping retirees in Michigan and Virginia, we are here to help you with your questions regardless of where you live. Financial plans evolve as does life through income shifts, tax changes, healthcare needs, and market movement. If you’re already retired and want to make sure things stay on track, we’re here to help.

Start with a Free Planning Call

Questions We Help You Answer

  • Am I withdrawing from the right accounts—and in the right order?

    We help you manage your distributions in a way that aligns with your spending, tax bracket, and future needs.

  • How do I plan for taxes now that I’m no longer earning a paycheck?

    Retirement tax planning is different. We help you manage RMDs, capital gains, and other surprises that can eat into your income.

  • What if the markets drop—do I need to change anything?

    We build flexibility into your plan so you’re not scrambling when the market dips or inflation hits.

  • Should I be doing Roth conversions in retirement?

    It’s not too late. We help identify windows where a conversion may still make sense—even if you’re already drawing income.

  • Is my plan still aligned with how I want to live?

    Retirement isn’t static. We check in regularly to help make sure your spending, investments, and priorities still fit.

  • Can I help my kids or grandkids without throwing off my own plan?

    We help you give generously—without risking your long-term stability.

Ready When You Are

Let’s Keep Your Retirement Plan Working

You’ve already done the hard work to retire. Now it’s about protecting your lifestyle, adjusting when needed, and making decisions that support the years ahead. Whether you’re in year one or year fifteen of retirement, we’re here to help.