Retirement Planning
Building Your Future,
One Thoughtful Decision at a Time
At Foronjy Financial, we understand that retirement planning includes your dreams, your family's security, and the life you've worked so hard to build. Located in beautiful San Luis Obispo and Santa Barbara, we've been helping individuals and families navigate the complexities of retirement financial planning with a personal touch that makes all the difference.

Comprehensive Retirement Planning That Works for You
Your retirement should reflect your unique vision of the future. That's why our retirement planning services begin with getting to know you—your goals, your concerns, and what truly matters to you. We believe that effective retirement financial planning starts with understanding that no two retirement journeys are alike.
Our experienced team takes the time to explore the questions that keep you up at night:
- "Do I have enough saved to get me through retirement?"
- "Am I taking on the right amount of investment risk?"
- “What should I do when I retire?”
These aren't just financial questions—they're deeply personal concerns that deserve thoughtful, individualized attention.
Strategic Retirement Income Planning
Creating a reliable retirement income strategy is one of the most critical aspects of your financial future. Our retirement income planning approach is comprehensive and helps identify whether you have the necessary cash flow you'll need throughout your golden years. Our goal is to help you understand your options and make informed decisions about how to structure your retirement savings plan for both growth and stability.
Whether you're just starting to think seriously about retirement or you're already transitioning into this new phase of life, our retirement planning services meet you where you are. We help you evaluate your current financial position, identify potential gaps, and develop strategies that align with your timeline and risk tolerance.
Beyond the Basics: Estate Planning Integration
Smart retirement planning extends beyond just accumulating assets and includes protecting what you've built for the people you care about most. Estate planning is an integral part of comprehensive retirement financial planning, helping protect your legacy and giving you and your family confidence in the future.

Your Local San Luis Obispo Advantage
Working with a local financial planning team means you get the benefit of professionals who understand the unique opportunities and challenges of retiring in California. From navigating state tax implications to understanding local cost-of-living factors, our San Luis Obispo perspective adds valuable context to your retirement planning services.
We're not just your financial advisors—we're your neighbors, committed to helping our community thrive in retirement.
Frequently Asked Questions
When should I start retirement planning?
The best time to start retirement planning is now, regardless of your age. Whether you're in your 20s or approaching retirement, there are always strategies that can help improve your financial position.
How much should I save for retirement?
This varies greatly depending on your lifestyle goals, expected expenses, and other factors. During our consultation, we'll help you calculate a personalized savings target based on your specific situation.
What's the difference between a retirement savings plan and retirement income planning?
A retirement savings plan focuses on accumulating assets for retirement, while retirement income planning focuses on how to convert those assets into reliable income during retirement.
Do you only work with people who are already retired?
Not at all! Our retirement planning services are designed for people at all stages of life, from young professionals just starting their careers to those already enjoying retirement.

Start Your Retirement Planning Journey Today
Building long-term relationships through open and honest communication has been the cornerstone of our success. We want to learn more about your personal situation, identify your dreams and goals, and understand your true risk tolerance.
Ready to take the next step in your retirement financial planning? We invite you to schedule a consultation where we can discuss your unique situation and explore how our retirement planning services can help you work toward the future you envision.