Our Services

☑ Retirement Income Planning

☑ Annuities & Guaranteed Lifetime Income

☑ Tax-Free Retirement Strategies (Roth Conversions & IULs)

☑ Social Security & Medicare Optimization (including IRMAA reduction)

☑ RMD Tax Planning

☑ Life Insurance, Wills & Legacy Planning

☑Long-Term Care Solutions

☑ Estate Coordination

☑ Swan Analysis™

Schedule a consultation with our experienced team to gain insightful guidance on all your insurance or retirement needs. Our experts are ready to help you find the right protection tailored to your unique situation.

What Makes Us Different

At Swan Financial, we believe retirement planning isn’t just about numbers—it’s about peace of mind. While many advisors focus solely on investments, we take a broader, more holistic approach to your future. Our mission is to help you Sleep Well At Night, knowing that every aspect of your financial life is protected and aligned with your goals.

Here’s what sets us apart:

  • Personalized, Not Product-Driven
    We don’t push products. We create plans. Everything we recommend is based on your individual needs—not commissions or quotas.

  • Education Comes First
    We take the time to explain the “why” behind every strategy, so you feel confident and in control—not confused or pressured.

  • Protection Over Prediction
    We focus on guarantees, not guesses. Market volatility shouldn’t determine your quality of life in retirement—and we build plans that reflect that.

  • Exclusive Tools & Resources
    From our Swan Analysis™ to private client screenings of films like The Retirement Deception, we offer educational tools and real-world strategies most firms don’t.

  • We Don’t Just Educate. We Inspire.
    Our guidance helps clients retire not just with money—but with meaning, clarity, and purpose.

Tax Free Income Strategies

“Keep more of what you earn now and in retirement.”

Most retirees focus on how much they’ve saved—but few understand how much they’ll owe in taxes later. At Swan Financial, we specialize in helping you legally reduce or eliminate taxes in retirement, so more of your money stays where it belongs: with you.

Here’s how we help you create tax-free income for life:

  • Roth Conversions
    We help you convert taxable retirement savings into tax-free income over time, so you can reduce Required Minimum Distributions (RMDs) and avoid unexpected tax bills.

  • Indexed Universal Life (IUL)
    IUL policies provide tax-free income, legacy benefits, and protection from market losses—perfect for long-term planning and wealth transfer.

  • Strategic Withdrawal Planning
    We design a withdrawal strategy that balances tax brackets, Social Security timing, and IRMAA thresholds to minimize what you pay and maximize what you keep.

  • Tax Diversification
    We help you structure your retirement income across taxable, tax-deferred, and tax-free buckets—so you’re never trapped by rising tax rates or changing laws.

You earned it. You saved it. Let’s help you keep more of it—tax free.

Let’s stop the IRS from being your largest beneficiary

Guaranteed Lifetime Income and Guaranteed Care Solutions

Because peace of mind shouldn’t be optional.

At Swan Financial, we believe that retirement shouldn’t feel like a guessing game. Our income and care solutions are designed to remove uncertainty—so you can focus on enjoying life, not fearing what comes next.

Guaranteed Lifetime Income

Outlive your money? Not on our watch.

One of the biggest fears in retirement is running out of money. We eliminate that fear by creating income streams that last as long as you do—no matter what happens in the market.

With guaranteed income strategies, we help you:

  • Replace your paycheck with income you can’t outlive

  • Protect your principal from stock market losses

  • Customize income for you and your spouse, no matter how long you live

  • Remove the pressure to “guess” when or how much to withdraw

  • Sleep well knowing that your bills will be paid—for life

Guaranteed Care Solutions

Prepare for the unexpected without sacrificing your savings.

Healthcare is one of the biggest financial threats in retirement. We offer solutions that guarantee funding for care—without draining your retirement accounts or burdening your loved ones.

We help you:

  • Plan for long-term care needs with no out-of-pocket surprises

  • Avoid depleting your nest egg or depending on Medicaid

  • Access hybrid policies that offer care if you need it, cash if you don’t

  • Secure tax-free benefits to pay for assisted living, nursing care, or in-home help

We prepare you for the “what-ifs” so you can confidently enjoy the “right now.”

Contact us

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