Welcome to Swan Financial and Insurance Group

At Swan Financial, we believe that true financial planning goes beyond numbers—it’s about peace of mind, purpose, and protection. Whether you're preparing for retirement, managing your wealth, or navigating life’s transitions, we’re here to guide you with clarity, compassion, and confidence. Our mission is simple: to help you Sleep Well At Night by building personalized strategies that protect your future, reduce financial uncertainty, and support the life you’ve worked so hard to create. Welcome to a new standard in financial guidance. Welcome to Swan.

Who we are

Swan Financial is a local, independent retirement and income planning firm committed to helping individuals and families protect their savings, generate guaranteed income, and retire with confidence. Our name stands for Sleep Well At Night—and that’s the foundation of every strategy we offer. We specialize in customized retirement plans that address real concerns: outliving your money, Required Minimum Distributions (RMDs), IRMAA surcharges on Medicare, and market volatility. From tax-free retirement solutions to lifetime income and Medicare guidance, our strategies are designed to provide clarity and peace of mind. Swan Financial is also the only financial firm in the area with exclusive rights to the educational films The Retirement Deception, Social Insecurity, and License to Spend—powerful resources we use to inform and empower our community. Every journey begins with a complimentary Swan Analysis—a clear, personalized roadmap showing when you can retire, what you’ll retire with, and how to make it last. When it comes to your future, Swan Financial helps you protect it—so you can live it.

Joy Nicole, President and CFO

Swan Financial and Insurance Group, LLC.

Testimonials

"I walked into Swan Financial unsure if I could ever retire. After my Swan Analysis, I walked out with clarity, confidence, and a plan that lets me sleep at night. Joy made the entire process feel personal—not transactional."

— Diane R., 63, Retired Teacher
"They weren’t just selling me products. They were helping me solve problems I didn’t know I had—like reducing taxes and planning for healthcare. I’ve never felt more secure about my future."

— James T., 58, Small Business Owner
"I’ve worked with big-name advisors before, but no one ever explained things like this. Joy and her team truly care. Swan Financial is in a class of its own."

— Cynthia B., 70, Widow & Real Estate Investor
"The guaranteed income plan Swan Financial created for us completely changed how we think about retirement. We know exactly what’s coming in each month—and that peace of mind is priceless."

— Mark & Linda W., Early Retirees, Married 40 Years
"The Swan Analysis helped me realize I didn’t have to work another 5 years—I just needed a better plan. I’m retiring this fall and I owe that confidence to Joy."

— Angela M., 57, Engineer
"When my husband passed, I didn’t know what to do with our investments. Swan Financial helped me reorganize everything, protect my income, and plan ahead. I felt seen, heard, and supported."

— Rosa D., 68, Retired Nurse & Widow

Welcome to Swan Financial and Insurance Group

Who we are

"I walked into Swan Financial unsure if I could ever retire. After my Swan Analysis, I walked out with clarity, confidence, and a plan that lets me sleep at night. Joy made the entire process feel personal—not transactional."

"They weren’t just selling me products. They were helping me solve problems I didn’t know I had—like reducing taxes and planning for healthcare. I’ve never felt more secure about my future."

"I’ve worked with big-name advisors before, but no one ever explained things like this. Joy and her team truly care. Swan Financial is in a class of its own."

"The guaranteed income plan Swan Financial created for us completely changed how we think about retirement. We know exactly what’s coming in each month—and that peace of mind is priceless."

"The Swan Analysis helped me realize I didn’t have to work another 5 years—I just needed a better plan. I’m retiring this fall and I owe that confidence to Joy."

"When my husband passed, I didn’t know what to do with our investments. Swan Financial helped me reorganize everything, protect my income, and plan ahead. I felt seen, heard, and supported."