Orlando, Central Florida & nationwide by video
Orlando Retirement Planning: Will Your Savings Really Last?
You spent 30 years building your savings. The next few decisions about income, taxes, Social Security and healthcare decide how well that money takes care of you. I help pre-retirees and retirees bring every piece together into one clear plan.
✓ Turn your savings into a monthly paycheck you can plan around
✓ Draw from the right accounts in the right order to help lower taxes
✓ Know when to claim Social Security: 62, 67 or 70
15 minutes. No pressure, no obligation. Virtual or in person in Orlando.
Roger Fishel
Independent retirement planner. 20+ years helping Florida families retire with confidence.
20+
Years
1
Coordinated plan
FL
Based
US
By video
Sound familiar?
You saved well. So why does retirement still feel uncertain?
Most people were taught how to save. Almost no one was taught how to turn savings into income. These are the questions we hear every week:
“Will our money last if we live to 95?”
“What if the market drops the year we retire?”
“How much of our IRA will taxes take?”
“When should we claim Social Security?”
“What happens to my spouse if I go first?”
“What if one of us needs long-term care?”
If even one of these keeps you up at night, you are not behind. You are normal, and every one of them has an answer.
The problem with traditional advice
Your advisors may all be good at their jobs. None of them are talking to each other.
Your investments, taxes, insurance and estate plan were built at different times by different people. Small cracks between them can quietly become expensive later.
Without a coordinator
✕ You carry messages between people
✕ Tax moves and beneficiary forms can conflict
✕ Nobody sees the whole picture
With Roger Fishel Financial
✓ One person to call
✓ Every decision checked against your whole plan
✓ We talk with your CPA and attorney for you
Who we serve
Built for people within 10 years of retirement, or already there
No two retirements look the same. Start where you are today.
Retiring in 5 to 10 years
Will my savings really last?
Find out while there is still time to adjust, not the year after you stop working.
Retirement planning →
Already retired
Is my income built to last as long as I do?
Keep up with taxes, RMDs, inflation and healthcare as they change.
Retirement income →
Women on their own
Widowed, divorced or single
Plan with confidence after a big life change, at a pace that feels right.
Women’s retirement →
Protecting a legacy
Will it go where I intend?
Align your will, trust, titles and beneficiaries so your family is cared for.
Estate planning →What we do
One coordinated plan for every part of your retirement
Most firms handle one piece. We bring all of them together, so each decision supports the others.
Retirement Income Planning
Turn savings into a dependable monthly paycheck, stress tested for markets and inflation.
Learn more →Social Security Optimization
Claiming and spousal strategies that fit your full income plan.
Learn more →Tax-Efficient Retirement Strategies
Roth conversions, RMDs and withdrawal order to help reduce lifetime taxes.
Learn more →Healthcare & Long-Term Care Planning
Build care costs into your plan before a crisis forces the decision.
Learn more →Women’s Retirement Planning
Guidance for widows, divorce and women planning on their own.
Learn more →Serving Orlando, Kissimmee, Lakeland, Tampa, Ocala and clients nationwide by video.
How it works
Three simple steps to a clear plan
1
Pick a time
A free 15-minute Retirement Clarity Session, by video or in person in Orlando.
2
We find the gaps
We look at your income, taxes, Social Security and healthcare together to spot risks and opportunities.
3
You leave with clarity
Clear next steps you can act on, even if you never work with us.
Watch: how we coordinate your entire retirement (2 minutes).
Plan. Protect. Prosper.
Picture your first year of retirement, with a plan
You know your paycheck
You know what lands in your account each month, and where it comes from.
You keep more of it
You know which account to draw from first, and why, so taxes do not take more than they need to.
Your spouse is protected
Everyone knows exactly what happens if something happens to one of you.
You get your time back
Grandkids, travel and golf. Not spreadsheets and worry.
Who you will meet
Hi, I’m Roger Fishel.
For more than 20 years I have helped families plan for retirement. Today I work directly with pre-retirees and retirees across Orlando, Central Florida and nationwide by video.
Most of the people I meet have saved well but are not sure how it all fits together. My job is to make it make sense, in plain English, and to be the one person who sees the whole picture. When you call, you talk to me.
20+ years experience
Independent
Retirement educator
Florida based
Plan. Protect. Prosper.
Read my story →
Free resource
Turn Your Savings Into a Retirement Paycheck That Lasts
Learn how to draw income from your 401(k), IRA and Social Security in the right order, so you may keep more of what you saved.
✓ The withdrawal order most retirees get backwards
✓ When a Roth conversion may make sense
✓ How to avoid a surprise tax bill in your first year
Free Resources
Florida Retirement Resources
Plain-English guides on taxes, Social Security, Medicare and retirement income from Roger Fishel.
Questions
Frequently asked questions
Do I need a financial advisor to retire in Florida?
Not everyone does. But if you have several accounts, a pension or Social Security decision ahead, or worry about taxes and healthcare costs, a coordinated plan can help you avoid costly mistakes. A free 15-minute session is an easy way to find out.
When should I claim Social Security: 62, 67 or 70?
It depends on your health, your spouse, your other income and your taxes. We look at claiming age as part of your whole income plan, not on its own.
Do you help with Medicare in Orlando?
Yes. We help you compare Medicare Supplement, Medicare Advantage and Part D plans, and build healthcare costs into your retirement income plan.
What happens in the free Retirement Clarity Session?
A relaxed 15-minute conversation about your goals, concerns and where you stand. You leave with clear next steps, with no pressure and no obligation.
Do I need a certain amount of money to work with you?
What matters most is that you want a coordinated plan. Many clients are pre-retirees and retirees with savings in 401(k)s, IRAs and pensions.
Can we meet virtually if I don’t live near Orlando?
Yes. Many clients meet by video from across the country. If you live in Central Florida we can also meet in person.
Clarity starts with one conversation
Know where you stand before you make your next move.
Every year without a plan is a year of decisions made without the full picture. See exactly where you stand in one free, no-pressure session.
Book My Free Clarity SessionPrefer to talk now? Call (407) 974-7100