Retirement Planning Built Around Your Life

There is no single number. The amount you need depends on your target spending, your Social Security and pension income, your tax situation, and how long your money must last.

A common starting benchmark is replacing 70% to 85% of your pre-retirement income, but we build your number from your actual expenses and goals rather than a rule of thumb. We model your plan year by year so you can see whether your savings support the retirement you want.

Foronjy Financial is a fee-only, fiduciary registered investment adviser. That means we are compensated directly by our clients and do not earn commissions on the products we recommend.

Fees are typically based on the assets we manage for you and are disclosed in plain language before you engage us. Our full fee schedule is described in our Form ADV, and your initial consultation is complimentary.

Retirement income planning turns your savings, investments, Social Security, and pensions into a reliable, tax-efficient paycheck that lasts through retirement.

It covers which accounts to draw from and in what order, how to manage required minimum distributions, how to reduce taxes on withdrawals, and how to keep your income durable through market swings. It is different from simply accumulating a nest egg, because the goal shifts from growth to sustainable, tax-aware distribution.

A Roth conversion can lower your lifetime taxes if you convert traditional IRA or 401(k) dollars during lower-income years, often the window between leaving work and starting Social Security or required minimum distributions.

Whether it makes sense depends on your current and projected tax brackets, Medicare premium thresholds, and estate goals. We run a multi-year Roth conversion analysis so any conversion is sized to your bracket rather than done blindly.

You can claim as early as age 62, but your monthly benefit grows for every year you delay, up to age 70. The right timing depends on your health, your spouse's benefit, your other income sources, and your tax picture.

Claiming early locks in a permanently reduced benefit, while delaying can significantly increase lifetime income for many households. We model claiming strategies as part of your plan so the decision fits your full financial picture.

Yes. We have offices in Santa Barbara at 401 Chapala Street, Suite 105, and in San Luis Obispo at 1085 Higuera Street, Suite 120.

We serve clients across California's Central Coast in person and work with clients elsewhere in the state by phone, email, and video. As local advisors, we understand California tax rules and the major regional employers our clients retire from.

A fiduciary is legally required to act in your best interest at all times. Not every financial professional is held to that standard; some only need to recommend products that are suitable, which can allow conflicts of interest.

Foronjy Financial is a registered investment adviser and acts as a fiduciary for its clients, so our advice is built around your goals rather than product commissions.