Retirement Theory is a financial services firm specializing in personalized retirement planning and wealth management strategies. Headquartered in Malta, New York, the firm is dedicated to helping individuals and families navigate the complexities of retirement through education-driven guidance and fiduciary responsibility. As a fee-only advisory firm, Retirement Theory places client interests first, offering transparent services without product commissions or sales incentives. Their core mission is to demystify the retirement planning process and deliver custom solutions based on each client’s unique goals, risk tolerance, and life stage.

The firm combines in-depth financial insight with modern tools to provide a well-structured roadmap for long-term financial success. With Certified Financial Planner (CFP) professionals on staff, Retirement Theory emphasizes holistic financial planning that not only includes investment strategies but also incorporates tax efficiency, Social Security optimization, and legacy planning. The firm is also actively engaged in educating clients through resources and one-on-one consultations, reinforcing its belief that informed clients make better decisions. Retirement Theory works with clients both locally and virtually, enabling access to quality retirement planning services regardless of geographic location.

Website: https://retirementtheory.com/about-us/advisory-services-fees

Key Services:

– Retirement income planning
– Investment management
– Tax-efficient retirement strategies
– Social Security claiming analysis
– Financial planning for pre-retirees and retirees
– Portfolio risk assessment and rebalancing
– Legacy and estate planning strategies
– Fiduciary, fee-only advisory services