Top advisors focused on retired in the US
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
You might be entering retirement or already retired and facing decisions about how to manage your savings, Social Security benefits, and healthcare costs. Without focused guidance, it's easy to overlook how these elements interact, potentially reducing your income or increasing your tax burden.
- Income sequencing. Ask how they plan withdrawals from different accounts to balance taxes and cash flow over your retirement years.
- Social Security timing. Confirm if they analyze the best age to start benefits based on your full financial picture, not just age milestones.
- Healthcare cost planning. Check how they incorporate Medicare premiums and potential long-term care expenses into your budget.
- Legacy considerations. See if they discuss how your retirement income strategy affects what you leave behind for heirs or charities.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Omar E
Series 63, Series 66
Saginaw, TX
VOYA Financial Advisors, Inc.
Omar Esparza specializes in retirement income strategy and Social Security optimization, making him well-suited to assist retirees in managing savings and benefits effectively. Based in Saginaw, TX, he offers flat-fee financial planning through VOYA Financial Advisors, a large firm with diverse advisory programs, and brings 17 years of experience, which may provide a structured approach compared to smaller or commission-based advisors.
Experience: 17 years
Avg account: $236,678
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Daniel E
CFP®
Philadelphia, PA
Wescott Financial Advisory Group LLC
Daniel Esquirell specializes in retirement planning, serving high-net-worth retired clients with 25 years of experience and CFP® certification. His firm offers a wealth management program with a 1.25% AUM fee minimum and flat fees ranging from $7,500 to $15,000, using a tax-sensitive, multi-manager investment approach that blends passive and active strategies, distinguishing him from advisors with narrower investment methods or fee structures.
Experience: 25 years
Avg account: $3,892,751
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William H
Series 63, Series 65
Austin, TX
U.S. Capital Wealth Advisors, LLC
William Hurt specializes in retirement planning, serving high-net-worth clients with 25 years of experience and expertise in passive investing, options, and alternative investments. Operating independently with a flat-fee structure for financial planning, he offers personalized wealth management through U.S. Capital Wealth Advisors, a firm managing over $7 billion and employing diverse analytical approaches, which may provide a broader investment perspective compared to other advisors.
Experience: 25 years
Avg account: $1,868,588
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Jeffrey M
CFP®, Series 66
Shrewsbury, MA
Meenes Wealth Partners
Jeffrey Meenes specializes in retirement planning with expertise in Social Security optimization and Medicare planning, making him well-suited for retirees managing income sequencing and healthcare costs. His independent firm offers flat-fee financial planning and investment management, focusing on high-net-worth clients with a non-discretionary approach and asset allocation grounded in Modern Portfolio Theory, distinguishing him from advisors who may use percentage-based fees or discretionary management.
Experience: 14 years
Avg account: $2,650,105
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Scott P
Series 63, Series 65
Red Bank, NJ
Merrill
Scott Pinheiro's extensive 41 years in financial services and focus on retirement income strategy make him well-equipped to assist retirees in managing savings, Social Security, and healthcare costs. Operating within Merrill, a large firm, he serves executives and retirees with accounts typically between $500,000 and $5 million, offering a disciplined financial process that includes tax minimization and socially responsible investing, distinguishing him from other advisors.
Experience: 41 years
Avg account: $860,085
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