At Padlock Retirement, we're passionate about helping people identify and prepare for these mistakes: not getting the most from Social Security, not having a lifetime income plan, paying more taxes than necessary, and failing to protect your nest egg from market volatility and fees.
Our team is so passionate about helping everyone avoid the common road blocks we have seen with past clients, prior to a brief meeting with our team, that we offer a comprehensive FREE Retirement Plan to anyone who needs a second opinion to their current situation or a late start to putting a plan in place for the "what if" moments.
As Independent Retirement Advisors, our team works with clients to help them understand their current retirement plan and what options are out there to better their situation when it comes to:
-Maximizing Social Security Income -Reducing Taxes
-Protecting Retirement Assets
-Long Term Care Protection
-Creating a Legacy for you family with minimal tax consequences
After helping you craft your personalized retirement plan, we will give you an online portal to track this plan and simultaneously be able to hold all our your account statements, will, life insurance polices, assets, etc.
Our process leaves you with plan that is the Key to unlocking the complicated Retirement Padlock.
Every successful financial strategy starts with an excellent client relationship. With 50+ years of cumulative experience, our specialists will work with you to help educate you on the options and coach you through a challenging part of life. Unlike the big banks and financial firms, we provide easy to understand Retirement Plans for FREE that we can constantly update as things change in the years to come.
Our team has the energy and enthusiasm to prove how truly dedicated we are to helping everyone to unlock their KEY to financial success.
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Spencer Ward, is a valuable resource for financial retirement advisors when it comes to his expertise, working with his team to create recommendations on the retirement solutions for the advisors and clients he works with.
Spencer’s professional background entails assisting advisors with client recommendations on safe money options, explaining the benefits and proper application and implementing a recommendation, as well as helping all of his clients feel comfortable and confident about making decisions that will affect their livelihood.
In her 25th year in the industry, Heather has worked among the finest organizations including Franklin Templeton Group of Funds, AXA Advisors, SunTrust Bank and some of the largest financial organizations in the country.
Heather’s breadth of knowledge extends far beyond Social Security planning and includes retirement income distribution strategies, charitable giving, the rules that govern qualified plans and IRAs, multi-generational planning, tax mitigation techniques, and IRS reporting issues.
Kurt Becker has been in the financial services business for (gasp) over 25 years, specifically focusing on helping clients maximize their Tax-Free Legacy and protecting against the high cost of LTC.
Starting his career with Life Insurance and Fixed Indexed Annuities; Kurt learned from the beginning the value of a balanced portfolio, managing risk, the importance of Life Insurance, and protecting clients from the drastic increase in healthcare / Long Term Care protection.
Don't miss our expert's White Paper Reports about SECURE Act, CARES Act, and WARNS Act
Please feel free to contract us for your free Retirement Plan, or any questions regarding but not limited to: Social Security, Taxes, TSP, LTC, Life Insurance, Medicare, or anything that we can assist you with. We will never charge you to give you all the education and help you need.
Monday - Friday: 7 AM PST - 6 PM PST
Sunday: By appointment only