A Retirement Adviser Serving Families Nationwide

How to Plan
for Retirement.

Most retirement advice is generic. Ours is built on national retirement research, applied to your specific numbers, whether you're decades away and still building your savings or ready to start drawing on them. From Social Security timing to tax-efficient withdrawals, we build a retirement plan backed by data, not guesswork, held to a fiduciary standard when we act as your investment adviser.

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Daniel Barram, RICP® WMCP®, Chief Investment Officer
Daniel Barram RICP® WMCP® · CIO
Lisa Barram, President
Lisa Barram President · Co-Founder
100%
Fiduciary as Your Investment Adviser
RICP®
Retirement income certified
IRA
Elite IRA Advisor Group℠ Member
A National Perspective

How to plan for retirement, backed by the research.

Most people learn how to plan for retirement from generic articles or an adviser who has never looked past their own client list. We start somewhere different: what the national data actually says about how retirement income, Social Security, and taxes behave over a 30-year retirement, then apply that to your specific numbers, whether you're already retired or still twenty years out, wherever you live.

Who We Help

Retirement looks different for everyone.

Business Owners Nearing Exit

Your business is likely your largest asset, and your retirement plan needs to account for it years before you sell. We coordinate with your CPA and attorney on whether a potential Qualified Small Business Stock (QSBS) exclusion under IRC §1202 may apply, and on how your entity structure affects the retirement income plan built around it.

Talk to us about your exit

Corporate & Federal Employees

Whether you're twenty years from retiring or filing the paperwork next month, pensions, 401(k)s, the federal government's retirement savings program (the "TSP"), deferred compensation, and stock compensation each come with their own rules. We build a single coordinated plan across all of it instead of leaving you to manage each piece separately.

Talk to us about your benefits

Relocating in Retirement

Where you retire changes what you keep. State tax treatment of retirement income, Social Security, and estates varies enormously. We help you understand what a move actually costs, or saves, before you make it.

See how states compare

Consolidating Accounts

Old 401(k)s from past employers, scattered IRAs, and accounts at three different firms make it hard to see the whole picture. We bring it together into one coordinated retirement wealth management strategy.

Talk to us about consolidating
What We Do

Retirement planning strategies built for how America actually retires.

We are a retirement planning adviser practice, built for families nationwide who want their retirement income to work harder and last longer, whether that's still decades away or already here.

Retirement Income Planning

Few people ever sit down and plan how their savings will actually get spent. We build retirement income strategies that layer Social Security, portfolio withdrawals, annuities, and RMDs so every source is coordinated with the others, not managed in isolation.

Retired couple enjoying the ocean view together
Daniel Barram meeting with retirement investment advising clients

Retirement Investment Advising

Daniel Barram is a member of Ed Slott's Elite IRA Advisor Group℠ and participates in ongoing specialized training on IRA rules and retirement distributions. As a retirement investment adviser, we put that training to work on tax-aware account structuring, timing Roth conversions strategically, and protecting inherited assets for families across the country, coordinated with your tax professional.

Retirement Tax Planning Strategies

Federal tax brackets, state tax treatment, and Medicare surcharges all interact in ways most people planning for retirement never see coming, whether that planning starts decades out or is already underway. Our retirement tax planning strategies include withdrawal sequencing and Roth-conversion analysis, coordinated with your tax professional whenever tax advice is required.

Couple reviewing retirement tax planning documents together
Adviser meeting with clients about Social Security retirement planning

Social Security Retirement Planning

The age you file at is one of the biggest factors in your lifetime Social Security benefit, though your actual outcome also depends on longevity and other variables no one can predict with certainty. We model Social Security claiming scenarios for you and your spouse so you can compare the projected income and lifetime benefits associated with different filing ages.

Where You Retire Matters

How your state treats retirement income.

State tax treatment of retirement income, pensions, and Social Security varies enormously, and it changes almost every legislative session. Search or filter below to see how a state generally compares before you decide where to spend your retirement.

State State Income Tax Social Security Pensions 401(k)/IRA Estate/Inheritance Key 2026 Note

General reference only. State tax law changes frequently and this table is not a substitute for current guidance from your state's department of revenue, your CPA, or your attorney. Speak with us and your tax professional before making a relocation decision based on tax treatment alone. We review this table with every client we work with and update it each year, so what we discuss with you is always current.

Our Approach

A repeatable process, applied to your numbers.

Discovery

Before we recommend anything, we map out where you actually stand: every account, every income source, what you're spending now, and what retirement needs to look like for it to feel like success to you specifically.

Strategy

From there, we build the actual plan: which accounts to draw from and in what order, Social Security claiming scenarios to compare, where Roth conversions make sense, and how to keep taxes from eating more than they should.

Implementation

The plan only matters once it's actually running. We handle the mechanics: positioning your portfolio, restructuring accounts where needed, and coordinating everything so it functions as one plan instead of several disconnected pieces.

Ongoing Care

A plan built for year one rarely still fits by year ten. We check in as tax law shifts, markets move, and your own life changes, so the plan keeps pace instead of quietly going stale.

The State of Retirement in America
21%

of American workers are "very confident" they'll have enough money to live comfortably in retirement
— 2026 EBRI Retirement Confidence Survey

That confidence gap underscores the importance of having a coordinated retirement strategy built around your actual income, assets, taxes, and long-term goals. We build that plan around your actual numbers, wherever you live.

Sources: EBRI Retirement Confidence Survey, Social Security Administration, Fidelity Retirement Savings Assessment, Vanguard's How America Saves, Federal Reserve Survey of Consumer Finances, U.S. Bureau of Labor Statistics.

Talk to a retirement expert
Client Perspective

What families nationwide are saying.

These are unedited reviews from clients we work with. No compensation, discount, or other incentive was provided in exchange for any of these reviews. See the full set on Google.

"I've found Daniel to be the easiest and best retirement and financial planner for me to work with. He's fine to work with both investments and assets as well as insurance products, depending on the situation and risk tolerance. He advised a diversified portfolio, but with guaranteed income to cover essential expenses. Most advisors have a set plan and try to get clients to fit their model. Dan adjusts to fit my situation."

HG
Howard G.
Google Review. 5 stars.

"Lisa and Daniel took so much time with us looking at our portfolio and making sure they understood our retirement goals. The fact that they aren't associated with a large brokerage house was a plus for us because they have access to everything on the market, not just a limited amount of products."

AC
Anita C.
Google Review. 5 stars.

"All day long I write about complicated fields, but financial stuff was completely over my head. Then Lisa Barram and her team came along. They explained things lucidly to me and took as much time as I needed to ask questions. For the first time I felt I was in trusted hands with people who actually cared about me and my bottom line, not just their own."

MR
Michelle R.
Google Review. 5 stars.
Ready to Start?

Your retirement income should hold up for as long as you need it to.

Whether you're still building your savings or ready to start drawing on them, the same question matters: will it last? A well-built retirement income plan accounts for taxes, inflation, Social Security timing, and decades of unknowns. That is what we do, held to a fiduciary standard as your investment adviser.

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As part of Retirement Prosperity Group, a BBB A+ rated firm working with families across the country.