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2033 E Warner Road, Suite 106, Tempe, AZ 85284

(480) 482-7120
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You've Spent a Lifetime Building This. Let's Make Sure It Lasts.

Retirement isn’t just about stopping work — it’s about replacing income, managing taxes, and making sure your money supports the life you’ve envisioned for decades. Most people enter retirement with accounts, but not a coordinated plan. We help you turn what you’ve built into a strategy that works.

At AmeriFlex Financial Services, retirement planning is one of our core specialties. We work with pre-retirees and retirees throughout the Phoenix–Tempe area to design income strategies, reduce unnecessary tax exposure, and prepare for the realities of a 25–30 year retirement.

The decisions you make in the years leading up to — and immediately following — retirement will determine how confidently you live for decades afterward. We’re here to help you get those decisions right.

Schedule Your Complimentary Retirement Planning Meeting

Is This Your Situation?
You’re Not Just Retiring. You’re Replacing a Paycheck With a Strategy.

Our retirement planning clients typically come to us at one of these moments:

  • Approaching retirement within the next 5–10 years and unsure how to turn savings into reliable income 
  • Recently retired and realizing the transition from accumulation to distribution is more complex than expected 
  • Concerned about running out of money over a 25–30 year retirement 
  • Holding multiple accounts (401(k), IRA, brokerage) without a coordinated withdrawal strategy 
  • Worried about rising taxes, Required Minimum Distributions (RMDs), or future tax law changes
  • Wanting to leave a meaningful legacy but unsure how to structure it efficiently

If any of these sound familiar, you’re in the right place.

We Focus on Income, Taxes, and Longevity — Not Just Investments.

Most financial advisors focus on growing your portfolio. Retirement requires a different mindset: how to use it efficiently.

STACKING INCOME SOURCES

STACKING INCOME SOURCES

We design a coordinated income plan that integrates Social Security, pensions, and portfolio withdrawals, so each source works together instead of independently.

LONGEVITY RISK PLANNING

LONGEVITY RISK PLANNING

Retirement isn’t 10–15 years anymore. It can easily span 25–30 years. We stress-test your plan to ensure your income lasts through market cycles, inflation, and unexpected expenses.

TAX STRATEGY IN RETIREMENT

TAX STRATEGY IN RETIREMENT

We proactively manage your tax exposure through strategies like Roth conversions, withdrawal sequencing, and Required Minimum Distribution (RMD) planning, helping you keep more of what you’ve saved.

LEGACY PLANNING

LEGACY PLANNING

We help structure what you leave behind — whether that’s for family, charitable causes, or both, in a way that aligns with your values and minimizes unnecessary tax burden.

PREFERRED OUTCOMES<sup>&#174;</sup> FRAMEWORK

PREFERRED OUTCOMES® FRAMEWORK

Every engagement begins with our proprietary Preferred Outcomes® process, clarifying what retirement actually looks like for you, not just what the numbers say is possible.

The Questions You’re Probably Already Asking

These are the questions we hear most often — and the ones that matter most.

  • The better question is whether your income plan supports your lifestyle over time. We help you answer that with clarity.

  • Timing can significantly impact your lifetime benefits. We model different scenarios to determine what works best for your situation.

  • There’s no one-size-fits-all rule. We build a withdrawal strategy based on your income needs, tax situation, and market conditions.

  • Through proactive strategies like Roth conversions and smart withdrawal sequencing, we help manage your long-term tax exposure.

  • Sequence-of-returns risk can have a major impact. We design income strategies that account for market volatility.

  • We help structure your assets so they transfer efficiently and in alignment with your wishes.

Have a question that isn’t on this list? Schedule a complimentary conversation with our team

Contact Us

Our Process
How We Work With Retirement Planning Clients

Step 1: Discovery Conversation

Step 1: Discovery Conversation

We start with your full financial picture. What you’ve saved, your timeline, your goals, and your concerns. This conversation is always complimentary.

Step 2: &#160;Income &#38; Tax Analysis

Step 2:  Income & Tax Analysis

We evaluate your income sources, tax exposure, and withdrawal strategies.  Identifying opportunities to improve efficiency and reduce risk.

Step 3:&#160; Build Your Retirement Plan

Step 3:  Build Your Retirement Plan

We create a coordinated plan that integrates income, tax strategy, investment positioning, and long-term sustainability.

Step 4:&#160;&#160;Implement the Strategy

Step 4:  Implement the Strategy

We help execute key decisions. From Social Security timing to Roth conversions to portfolio adjustments.

Step 5: Ongoing Relationship

Step 5: Ongoing Relationship

Retirement is not static. We continue to adjust your plan as markets, tax laws, and your life evolve.

Schedule Your Complimentary Retirement Planning Meeting

Schedule Consultation

Why Clients Choose AmeriFlex for Retirement Planning

  • Retirement Income Specialists: We focus on the transition from saving to spending — where most financial plans fail 
  • Fiduciary Standard:  We provide advice in your best interest, without commissions influencing recommendations
  • Tax-Aware Planning: Retirement success isn’t just about returns — it’s about what you keep after taxes 
  • Preferred Outcomes® Process: Your retirement plan starts with your life goals, not generic assumptions 
  • Experienced Leadership: Decades of experience guiding clients through retirement transitions, market cycles, and changing tax environments 
Ready to talk? Schedule Now

"We have spent more than three decades solving the challenge most retirees don't see coming: the gap between the balance in your account and the income you need to live well for 30 years. We build retirement income strategies designed for longevity, tax efficiency, and the life you actually planned."