Focused Financial Solutions
Focused Financial Solutions is a full fiduciary RICP advisory and certified National Social Security Advisor financial planning firm. What is the benefit of working with a RICP?
The RICP® (Retirement Income Certified Planner) designation was created to serve the financial planning needs of America’s increasing population of retirees and near-retirees. The knowledge required to accumulate retirement savings and the knowledge required to use that savings to generate a comfortable and lasting income in retirement are two separate entities. While many financial professionals exist to advise and help individuals to accumulate retirement assets, fewer advisers have additional expertise in subjects like how to determine when a client is financially prepared to retire, the rate at which retirement savings should be withdrawn and from where, how an individual’s asset allocation might change during retirement, the best time and method to start claiming Social Security benefits, Medicare planning, how to pay for health care and nursing home care, late-in-life tax planning, reverse mortgages, retirement housing options and more.
In sum, the RICP program consists of education that specifically addresses the retirement income process, modern retirement strategies and solutions, sources of retirement income, and managing the retirement income plan. RICPs must adhere to a code of ethics and meet continuing education and reporting requirements. As an RICP, we help clients maintain their customary standard of living throughout retirement, to address income gaps, and to limit risk that would jeopardize their plans.
Chances are you are in need of proper and thorough retirement planning education. Contact us today for a free consultation and retirement plan analysis that will address:
- the best strategy for meeting your retirement income needs per your retirement goals and objectives
- your safe withdrawal rate from your portfolio
- how your different retirement assets should be managed over the course of retirement
- how you can maximize income in a low-interest-rate environment
- how employer-sponsored benefits and income annuities fit into the mix
- what the best Social Security claiming strategy is for you
- the most tax-efficient withdrawal strategies for your portfolio
- how to make the most of your federal or company benefits in retirement, and more
Our mission is something we believe in strongly. We strive to help clients plan for and accomplish their financial goals in a timely manner, helping them progress financially toward what they want most out of their lives. We strive to be respected by our clients for our professional knowledge, integrity, independent financial advice, and excellent service.
President and Owner, RICP®, NSSA®
Dale lives in Littleton, CO with his wife and has three children. He graduated with a B.A. in Philosophy and Religious Studies from Whitworth University, received an M.A. in Biblical Studies from Western Kentucky University, and then earned an MBA in Finance and International Business from the University of Notre Dame.
With over 20 years of experience in the financial services industry, Dale spent 10 years overseas working in Finland, Scotland, and England with some of the largest banks in the world. His focus is on helping people from all walks of life accumulate and preserve wealth for retirement that will be dependable and sustainable.
Associate Advisor, NSSA®
Evan Kramlich is a native of Littleton, CO and currently lives there. He graduated with a degree in Finance from the Leeds School of Business at the University of Colorado at Boulder. After working for several start-ups, he decided his heart was in financial consulting. He worked at AXA for six years before concluding that the only way to truly do what is in the client’s best interest is to be an independent advisor.
Evan joined Focused Financial Solutions to accomplish this goal and use his unique, effective strategies with individuals, families, and small businesses to provide peace of mind and help them achieve their dreams.
Investment advisory services offered through Redhawk Wealth Advisors, Inc., an SEC Registered Investment Advisor. Insurance and annuity products are available through Focused Financial Solutions, LLC. Dale Wolberg is an Investment Advisor Representative with Redhawk Wealth Advisors, Inc. Evan Kramlich is an Investment Advisor Representative with Redhawk Wealth Advisors, Inc.
Redhawk Wealth Advisors, Inc. and Focused Financial Solutions, LLC are not affiliated.
Plan For Your Future
There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.