Retirement Income & Protection Planning
Turn Your Retirement Savings Into Reliable Income—Without Guesswork or Market Risk
We help you identify hidden risks, close income gaps, and build a plan you can depend on.
Takes less than 30 seconds. No detailed information required.
A Clear, Coordinated Approach to Retirement Planning
Income-Focused Planning
We help you evaluate whether your retirement income can support your lifestyle and long-term goals.
Risk & Protection Review
From market exposure to probate and healthcare costs, we help uncover the risks that are often overlooked.
Clear Next Steps
Our goal is to simplify complex decisions and help you move forward with a strategy you understand.
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
A Real Example of Turning Uncertainty Into a Clear Retirement Plan
Client Example
John and Mary were recently retired with $750,000 saved—but no clear plan for turning it into reliable income.
Like many retirees, they had done a good job saving—but didn’t have a coordinated plan.
They weren’t sure how to turn their savings into reliable income or how to protect themselves from market downturns.
They were concerned about how market downturns could impact their retirement income and weren’t sure how to structure withdrawals without running out of money.
They also had no strategy in place to avoid probate or address potential long-term care costs.
Like many retirees, they had done a good job saving—but didn’t have a coordinated plan.
What we changed:
≈ $3,200/month in more predictable retirement income
Created a more predictable monthly income stream
Improved tax efficiency and withdrawal sequencing
Reduced exposure to market volatility on income
Addressed probate risks to help protect their estate
The Result:
They now have a structured income plan designed to support their lifestyle and a clearer understanding of how their assets are working together.
Instead of guessing, they know where their income is coming from each month—and how their plan is designed to perform under different market conditions.
Today, they feel more confident, more organized, and far less exposed to the risks they didn’t realize they had.
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.” — Bob & Carla
“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 in Dallas
“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.” — Retired in Houston
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.
Take the Next Step Toward a More Confident Retirement
In one simple conversation, we’ll help you identify risks, clarify your income plan, and outline your next steps.
✔ 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.
Important Information & Disclosures
Dan Garbarz, RICP®, is a licensed insurance professional (License #2497950) in the state of Texas. He is not licensed as an attorney, accountant, or securities advisor.
The information provided on this website is for general educational purposes only and should not be considered financial, legal, or tax advice. Each individual’s situation is unique, and strategies discussed may not be appropriate for everyone.
Annuities and insurance products are offered through properly licensed insurance carriers. Product guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.
This website may reference concepts such as retirement income planning, risk management, probate considerations, and tax strategies. These topics are discussed in a general and educational context only and are not intended as specific recommendations.
We encourage you to consult with a qualified financial professional, tax advisor, or attorney before making any decisions regarding your financial or estate planning.
Stone Retirement is not affiliated with or endorsed by the U.S. government or any governmental agency.
We recommend consulting with a qualified financial professional, tax advisor, or attorney before making any decisions regarding your retirement plan.
Investment and insurance products are subject to risk, including the potential loss of principal. Guarantees are based on the claims-paying ability of the issuing company.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This website and any associated materials are not intended to provide specific advice or recommendations. Any references to probate, tax strategies, or estate planning are for educational purposes only.