Top financial advisors working with retirees
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 transitioning into retirement or already retired and facing decisions about how to manage your income and investments to last through your lifetime. A common mistake is not planning for the sequence of withdrawals and tax impacts, which can reduce your savings faster than expected.
- Withdrawal sequencing. Ask how they plan the order of taking money from different accounts to minimize taxes and penalties.
- Longevity risk management. Confirm they consider how to make your savings last if you live longer than average.
- Social Security timing. Check if they help decide the best age to start Social Security benefits based on your situation.
- Healthcare cost planning. See if they factor in potential medical expenses and Medicare changes into your retirement budget.
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 income and withdrawal sequencing. Based in Saginaw, TX, he brings 17 years of experience and works with VOYA Financial Advisors, a large firm offering both flat-fee and asset-based fee structures, which provides flexibility compared to advisors with only one fee model.
Experience: 18 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 with a focus on wealth management and tax-loss harvesting, making him well-suited to address income and investment decisions for retirees. His 25 years of experience, CFP® certification, and flat-fee structure at Wescott Financial Advisory Group, which serves high-net-worth clients using a tax-sensitive, multi-manager investment approach, distinguish him from other advisors in the US.
Experience: 25 years
Avg account: $3,892,751
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William H
Series 63, Series 65
Houston, TX
Arax Advisory Partners
William Hurt specializes in retirement planning, serving high-net-worth and retired clients with 25 years of experience and expertise in passive investing, options, and private investments. Based in Austin, TX, he offers flat-fee financial planning and negotiable AUM fees through U.S. Capital Wealth Advisors, a firm managing $7.28 billion with a diverse investment approach, distinguishing him from advisors with narrower focuses or less flexible fee structures.
Experience: 26 years
Avg account: $1,602,916
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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 and healthcare costs. His independent firm offers flat-fee financial planning and investment management, focusing on asset allocation through Modern Portfolio Theory, which differs from percentage-based fees and discretionary management used by some peers.
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 income and withdrawal sequencing to optimize tax outcomes. Based in Red Bank, NJ, he works with clients holding $500,000 to $5 million, offering tailored wealth management through Merrill's large-firm resources and a 1.10% AUM fee, distinguishing him with a disciplined, customized approach for executives and retirees alike.
Experience: 42 years
Avg account: $860,085
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