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            Retirement Income Specialists provides a full service wealth advisory practice specializing in retirement income planning and retirement plan distributions.  Every retirement plan has a different set of rules, requirements and restrictions. I work with clients and their advisers to navigate the treacherous retirement planning landscape to help those clients maximize their income while moderating tax exposures.  I coordinate their assets with Social Security and pension maximization strategies, design and implement simple or sophisticated plans to ensure retirees and their survivors can maintain a sustainable income stream, and establish dynasty plans to propel the next generation.  At Retirement Income Specialists we provide the tools, resources and guidance to help clients achieve a successful retirement.


Thomas B. Swan


(805) 644-3495

(805) 644-8102

Thomas Swan is the local Social Security, IRA and 401k rollover expert. Many people change jobs several times in their careers and have IRA's, 401k's or other retirement plans scattered over many accounts or with former employers. 

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Theresa Beebe

Office Manager



Theresa's background includes working for a cancer research company for 26 years. Her last position held there was as a corporate paralegal. She thrives in an administrative background and enjoys her role as Office Manager for...
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