Retirement Asset Protection Specialists
Office: (682) 738-8850
Build a Retirement Plan That Protects Your Income, Your Family, and Your Future
Identify potential risks, uncover gaps, and create a clear strategy in one simple conversation.
Takes less than 30 seconds. No detailed information required.
The 3 Biggest Threats to Retirement
Most retirement plans are exposed in ways people don’t realize.
Could a market downturn impact your income?
A market downturn early in retirement can permanently reduce your income and limit your financial flexibility.
Will your assets pass efficiently to your family?
Without a Living Trust, your estate may go through probate—costing time, money, and unnecessary stress for your family.
Are you prepared for unexpected healthcare costs?
Long-term care and medical costs can quickly drain retirement savings if you don’t have a protection strategy in place.
Let’s take a quick look at how these risks may apply to you.
Our Retirement Protection Strategy
Many unexpected healthcare costs can be planned for with the right strategy.
We help you turn your retirement savings into a clear, coordinated plan.
Living Trust Planning
Avoid probate, protect your assets, and ensure your estate is passed efficiently to your family without unnecessary delays or costs.
Guaranteed Retirement Income
Create predictable, protected income that you can rely on—regardless of market conditions.
Complete Retirement Protection Plan
We combine income planning, asset protection, and healthcare strategies into one coordinated plan designed for long-term security.
Get a personalized plan designed around your retirement goals and concerns.
No cost. No obligation. Takes just 20 minutes.
What’s Your Retirement Risk Score?
Answer a few quick questions to see where your plan may be exposed.
Takes less than 30 seconds. No detailed information required.
About Dan Garbarz – Retirement Income Certified Professional (RICP)
Helping Families Protect What They’ve Built
I work with individuals and families who are approaching or already in retirement and want to protect what they’ve spent a lifetime building.
Many people I meet are concerned about market volatility, probate, and creating reliable income—but aren’t sure how all the pieces fit together.
I specialize in helping individuals and families approaching retirement turn complexity into a clear, coordinated plan.
With experience in retirement income planning and estate strategies, I help clients structure their assets efficiently, reduce unnecessary risk, and create predictable income they can rely on.
This year alone, my team and I have helped 75 families avoid $180,000 in probate fees. We have protected savings of 85 families over the past 12 months protect just over $5,000,000 in family savings from stock market loss.
My focus is not just on investments, but on creating a complete strategy that protects income, reduces risk, and simplifies decisions.
If you’d like a clear, personalized plan, the next step is a simple conversation.
No cost. No obligation. Just a clear plan designed around your situation.
A Situation You May Recognize
Here’s how one family approached these same challenges.
Client Example
John and Mary were recently retired and had saved diligently over the years.
They were concerned about how market downturns could impact their income, and they didn’t have a clear plan in place to avoid probate or handle future healthcare costs.
Like many people, they weren’t sure how to connect all the pieces—or what steps to take next.
They didn’t have a clear plan
We worked together to create a coordinated strategy that provided more predictable income, structured their assets efficiently, and addressed potential long-term care concerns.
Today, they feel more confident knowing they have a clear plan in place and a better understanding of how their retirement is protected.
If this sounds familiar, the next step is a simple conversation about your situation.
No cost. No obligation. Takes just 20 minutes.
Will Your Retirement Income Cover Your Expenses-No Matter What Happens?
Your Retirement Plan Isn’t Just About Income
This quick calculator helps estimate whether your projected income may fall short of your expected monthly expenses.
Even if your income is on track, there may still be risks that could impact your family, your assets, and your long-term financial security.
Even a modest shortfall can create long-term pressure on your retirement savings over time.
The good news is that this gap can often be reduced or eliminated with the right strategy.
A complete retirement strategy should address:
• Reliable income you can depend on
• Protection from market volatility
• A plan to avoid unnecessary probate delays and costs
What Could Probate Cost Your Family?
Many families are surprised by the time and cost associated with probate.
Many people discover that their retirement plan has gaps in more than one area.
Income shortfalls, probate exposure, and lack of coordination between strategies can create unnecessary risk over time.
The good news is that these issues can often be addressed with a clear, integrated plan.
Real Conversations. Real Clarity.
“Before this, everything we had was scattered—accounts, investments, insurance—but no real plan. Now we finally feel like we have a clear direction.”
— Retired Couple
Many people come to us unsure if they’re on the right track. Here’s what they’ve experienced after gaining clarity and structure.
“We were concerned about how market swings might impact our retirement income. After reviewing our situation, we were able to put a strategy in place that gives us much more stability and peace of mind.” — Pre-Retiree
“We had heard about Roth conversions but didn’t fully understand how or when to do them. The guidance we received helped us make a clear, informed decision that should benefit us long-term.” — Client Review — Pre-Retiree
“We hadn’t really thought through what would happen to our assets. Now we have a plan in place that should make things much easier on our family.” — Retired Couple — Client Review — Pre-Retiree
“We thought we were in good shape, but the review helped confirm what we were doing right and identify a few areas we could improve.” — Client Review — Retired Couple — Client Review — Pre-Retiree
If you’d like to see how this applies to your situation, the next step is a simple conversation.
These statements are illustrative and based on client experiences. Individual results will vary.
Let’s Build a Clear Plan for Your Retirement
In just one conversation, we can review your current situation, identify potential risks, and outline a strategy tailored specifically to you.
✔ Review your current income and assets
✔ Identify potential risks or gaps
✔ Outline a strategy tailored to your goals
The next step is a simple conversation.
Select a time that works best for you below.
Takes less than 30 seconds to schedule.