FINANCIAL PLANNING

Financial Planning for Retirees

All we do is financial planning for retirees and people close to retirement.
We are retirement specialists with a simple goal of making sure your retirement is a success.

We serve as the single, coordinating point-of-contact for all our clients' financial planning needs.
  • INVESTMENT MANAGEMENT
  • SOCIAL SECURITY TIMING
  • RETIREMENT INCOME
  • TAX PLANNING
  • RETIREMENT PLANNING
  • OPTIMIZING INSURANCE
financial planning for retirees

The single biggest financial mistake you can make is failing to plan for the future. At Echols Financial Services we are committed to helping you prepare for your financial future while enjoying your life along the way. 


Our office is located in Cumming, GA in Forsyth County. Most of our clients live in the North Georgia area. Using remote technology we also serve clients who live in other states.

What is Financial Planning for Retirees?

Financial planning is a process that helps you accomplish your cherished dreams and financial goals. It can help you define your goals, analyze your options, and make informed decisions. You can get financial questions answered, reduce your financial worries, capture opportunities, and decrease complexity.


The various pieces of your personal finances are connected. If you change one piece, it usually affects other pieces. For example, what might seem to be a good decision from an estate planning or tax standpoint could be a terrible decision from an investment or retirement income perspective, and vice versa.  


By starting with your retirement goals, financial planning puts the pieces of the puzzle together to make those goals a reality.  You can avoid costly mistakes and enjoy retirement with greater peace of mind. You can know that you are achieving your goals with less personal time, worry, and effort. 

Choosing a Financial Planner for Retirement

When selecting a professional financial planner, you should be sure you hire a financial fiduciary, such as a Registered Investment Adviser (RIA).  This means the advisor is legally held to the highest standard of loyalty to you. Fiduciaries are obligated to give advice based on what is best for you, the client—not pressured by high commissions or any financial bureaucracy to push certain products. 


Secondly, you should look for an advisor who has experience dealing with many kinds of financial situations over many years in the area of specialty that applies to your situation. You want a specialist, not a generalist. For example, a good retirement advisor will help you meet your financial goals through retirement income planning, tax planning, risk management, and investment management.


And thirdly, you should select an advisor who possesses a high level of competency in their field, as demonstrated by certifications or designations such as a CFA, CFP, CRPC, etc.


Finally, you should be getting continual financial planning advice that guides you all along the way to the life you want to live now and in the future.

See a Sample One-Page Financial Plan

When I started my financial planning career in 2003, I used to do these elaborate financial plans full of charts, graphs, and tables. But I noticed that I was the only one reading them. 


So we simplify all the calculations and simulations into a checklist of things we need to work on together. The plan needs to be thorough, but the most urgent and/or important actions from the plan can usually fit on one page (with the detailed material available as backup).

Understand more about the one-page financial plan and see a sample plan by clicking below.


Learn more about the One-Page Financial Plan

See a Sample One-Page Plan

Why Should I Consider Hiring Echols Financial Services?

If you’re looking for an advisor who is claiming to “beat the market,” you’re in the wrong place. But if you’re interested in lowering your tax bill, investing smarter, and creating a retirement income stream, you’re in the right place.


There are three important things that make us different from most others:
  1. All we do is retirement planning. We are retirement specialists with a simple goal of making your retirement a success.
  2. We limit the number of new clients we take on to deliver massive value and personalized service.
  3. We invest in industry-leading technology to simplify our clients’ lives and make retirement easy.

As an eighth-generation Forsyth County resident, we are excited to help individuals and couples in the Cumming, GA area with their financial planning needs. Echols Financial Services is a fiduciary, fee-only, no-commission, Registered Investment Advisor specializing in financial planning services for retirees and workers nearing retirement.



Our Process

We have a carefully designed process to help you make an educated and informed decision about working with us. You will receive a free retirement assessment that can also be used to evaluate other advisory firms you may be considering.
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