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Retirement Income Specialists - The Local IRA Rollover Expert

In 2009, Thomas Swan founded Retirement Income Specialists to help retirees and soon to be retirees ensure that their retirements provide them with financial peace of mind and security they need to enjoy their golden years.

At Retirement Income Specialists Financial we believe that it isn’t the amount of money you have saved, rather the amount of income you can safely withdraw each year that truly make the difference in retirement. At Retirement Income Specialists you’ll work with our Team of experts, including financial expert, trainer and founder Thomas Swan to create a sound financial plan that is designed to help you protect, grow and enjoy your life savings through retirement and beyond.

At Retirement Income Specialists Financial, we work with our client's to help them take control of their financial future through education and the creation of a comprehensive financial strategy that is designed to help them with the 5 critical areas of retirement planning, including:

  • Retirement Income & Social Security Maximization Planning
  • Advance Tax Planning & Minimization Strategies
  • Investment & Risk Management Strategies
  • Emergency Planning
  • Estate & Legacy Planning

We see it as our responsibility to help our clients make the strongest financial decisions for themselves and their loved ones. At Retirement Income Specialists we'll work with you to help you create a sound financial plan that is designed to help you achieve your financial goals with minimal risk and a high probability of success. At Retirement Income Specialists our promise to you is simple; to serve you to the best of our ability, protecting your interests above all others.

Discover what it means to have a custom tailored financial plan that is designed specifically for you and your needs, and is designed to provide you and your loved ones with security and peace of mind for years to come. Call Today (805) 644-3495.


 At Retirement Income Specialists, we help you make dollars out of things that make no sense!

Helpful Content

Tax Deductions You Won't Believe

Tax Deductions You Won't Believe

Here are some examples of deductions from the IRS that were permitted and some that were, uh, too creative.

Does Your Child Need to File an Income Tax Return?

Does Your Child Need to File an Income Tax Return?

When your child has income, there’s a good chance that he or she will need to report it and pay taxes.

Your Emergency Fund: How Much Is Enough?

Your Emergency Fund: How Much Is Enough?

Having an emergency fund may help alleviate the stress and worry associated with a financial crisis.

 

The Financial Literacy Crisis

Many Americans are operating their personal finances with only the barest minimum of knowledge.

To Catch a Thief

Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.

Donating Art: Taxation Abstraction

The tax rules that govern donating art are complex and confusing. Take a closer look.

Social Security: The $64,000 Question

One of the most common questions people ask about Social Security is when they should start taking benefits.

Saving on Fitness Center Membership Costs

There are ways to improve your physical fitness without denting your fiscal fitness.

Certain Uncertainties in Retirement

The uncertainties we face in retirement can erode our sense of confidence.

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Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

Federal Income Tax

Use this calculator to estimate your income tax liability along with average and marginal tax rates.

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

Annuity Comparison

This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

What Is My Risk Tolerance?

This questionnaire will help determine your tolerance for investment risk.

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Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

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The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?

Will You Pay the AMT?

Despite recent tax-law changes, many Americans are expected to pay the AMT this year.

Rightsizing for Retirement

What does your home really cost?

Investments

You’ve made investments your whole life. Work with us to help make the most of them.

Should You Ever Retire?

A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

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