Virtual Retirement Planner · Nationwide by Video
Virtual Retirement Planning, From Anywhere in the U.S.
Work one on one with retirement planner Roger Fishel from your kitchen table. We meet by Zoom, Google Meet, FaceTime or phone, share your plan on screen, and build a clear plan for income, taxes, Social Security and Medicare, wherever you live.
- The same one-on-one planning as sitting across a desk
- Your spouse or adult children can join from their own homes
- Start before you move to Florida, or plan from two homes
Every session is free, by video or phone, with no obligation. Prefer to talk now? Call (407) 974-7100. Meetings Monday to Friday, 9:00 AM to 5:00 PM Eastern.
Meet on the app you already use
Zoom, Google Meet and FaceTime are trademarks of their respective owners. Roger Fishel Financial is not affiliated with them.
Watch: Online Retirement Planning
What a Virtual Meeting Looks Like
You click a link, and Roger is on your screen. He shares your plan so you see the same numbers he does, and you can ask questions as you go. Nothing to print, no drive and no waiting room.
Your spouse can sit beside you, and adult children can join from their own homes in other states. Many families tell us it is easier to make big decisions when everyone hears the same thing at the same time.
Who We Help Virtually
Who Works With a Virtual Retirement Planner
Our virtual clients come from all over the country and every stage of retirement. Most of them fit one of these.
Pre-Retirees
You are within 10 years of retirement and want a plan for income, taxes and Social Security before you stop working.
Future Floridians
You plan to move to Florida and want to start before you relocate, including Florida domicile, Homestead and real Florida costs.
Snowbirds
You split the year between two homes and want one planner you can reach from either one, plus help with which state you call home.
Families in Different States
Couples and adult children who want to join the same meeting from different cities, so everyone understands the plan.
Second-Opinion Seekers
You already have a plan, an annuity, a pension choice or a Social Security strategy, and want a fresh, independent look at it.
Busy Professionals
You would rather use a lunch hour than take half a day off for an office visit. A video meeting fits between other plans.
Start With a Free Guide
Two Free Guides for Planning From Anywhere
Not ready to talk yet? Pick the guide that fits you. Read it on your phone or print it for the kitchen table.
Free PDF · 23 pages
9 Retirement Blunders to Avoid
The costly mistakes retirees make most often, the questions that help prevent them, and a 10-point checklist to review your own plan.
- Taking more risk than the return is worth
- Hidden fees and the cost of inflation
- Withdrawal mistakes and going it alone
Free PDF · 16 pages
The 2026 Florida Retirement Checklist
Moving to Florida? 40 steps in five phases, including the domicile and Homestead steps that new Florida residents often miss.
- Florida domicile and leaving your old state
- Homestead Exemption and insurance
- Documents, timing and a 12-month plan
What We Cover Virtually
Online Retirement Planning Topics We Handle From Anywhere
Almost everything we do in person works just as well by video. These are some of the areas we can review together; the right mix depends on your situation.
Retirement Income Planning
Turning savings, pensions and Social Security into a dependable monthly paycheck.
Social Security Strategy
When to claim, spousal benefits and survivor strategies that can increase lifetime income.
Tax-Efficient Strategies
Withdrawal order, RMD planning and Roth conversions (taxable in the year of conversion and may not be appropriate for everyone).
Medicare and Healthcare
Medicare decisions, budgeting for healthcare, and bridging the gap if you retire before 65.
Pension Decisions
Lump sum or monthly payments, survivor options, and how the choice affects your whole plan.
Estate and Legacy Coordination
Beneficiary reviews and working alongside your attorney and CPA, wherever they are.
Neither the firm nor its agents or representatives may give tax or legal advice.
Our Process
How Virtual Retirement Planning Works
Four simple steps, all from the comfort of home.
Book
Pick a time online or call (407) 974-7100. Tell us whether you prefer Zoom, Google Meet, FaceTime or phone.
Meet
A free conversation about your goals, income and biggest worries. Family is welcome to join.
Plan
We review your plan together on a shared screen, including income, taxes, Social Security and healthcare.
Stay on Track
Regular video check-ins keep your plan current as tax laws, Medicare rules and your life change.
Your First Meeting
What to Have Ready
You do not need everything for the first conversation, but these help us give you real answers sooner.
Social Security Statement
Download yours from ssa.gov. It shows your estimated benefit at different claiming ages.
Account Statements
Recent 401(k), 403(b), IRA and brokerage statements, plus any pension estimates.
Your Latest Tax Return
It helps us spot tax-planning opportunities in your withdrawals and Social Security timing.
Insurance and Annuity Policies
Life, long-term care and annuity contracts, so we can see how they fit with the rest of your plan.
Your Questions
Write down what keeps you up at night. That is usually the best place to start.
Keep Your Information Safe
Never email your Social Security number or account passwords. We will show you a secure way to share documents.
Moving to Florida From Another State
Moving to Florida? The Money Steps, in the Right Order
Whether you are a snowbird going full time or moving down from another state, doing these steps in the right order can save real money. We can start before you arrive.
Make Florida Your Domicile
File a Declaration of Domicile with your county clerk, get a Florida driver license within 30 days of becoming a resident, register to vote and move your important records. Together they show Florida is your true home.
Read: Establishing Florida domicileWatch Your Former State
Some states keep taxing new Floridians. New York, for example, can treat you as a resident if you keep a home there and spend more than 183 days in the state. Keep a day log and your travel records.
Read: The snowbird tax rulesTime Big Taxable Moves
A Roth conversion, home sale gain or large IRA withdrawal made after you become a Florida resident may avoid your former state's income tax. Part-year rules apply, so the date matters.
Plan the timing with RogerFile for Homestead by March 1
Own the home and make it your permanent residence by January 1, then file with your county property appraiser by March 1 to lower your taxable value and cap future increases.
Get the Florida ChecklistMove Your Medicare and Insurance
Medicare Advantage and Part D plans are local, and a move gives you a special window to choose a Florida plan. Price Florida homeowners and flood insurance before you buy, not after.
Get a Free Medicare QuoteUpdate Your Estate Documents
Florida has its own rules for wills, powers of attorney and health care surrogates. Have a Florida attorney review the documents you bring with you.
Read: Florida estate planningPlanning a Move to Florida? Start Before You Arrive
Many of our virtual clients are still living up north. Planning early lets us map out the sale of your home, Florida insurance costs, Homestead and Florida domicile, so your former state cannot keep taxing your retirement income.
Roth conversions are taxable in the year of conversion and may not be appropriate for everyone. Neither the firm nor its agents or representatives may give tax or legal advice.
Your Virtual Retirement Planner
One Planner Who Coordinates Everything
I'm Roger Fishel, an independent retirement planner with more than 20 years of experience. Most people come to me with accounts, policies and advice that were never designed to work together. My job is to be the one person who coordinates all of it, your income, taxes, Social Security, Medicare, insurance and estate plan, so every decision supports the others.
I work with clients across the country by video and phone, and I meet in person by appointment in Kissimmee, Tampa, Lakeland and Ocala.
Where we can help: retirement planning conversations are available nationwide. Insurance, annuity and Medicare products are offered only in states where Roger is licensed, and we explain what applies to you upfront.
Frequently Asked Questions
Virtual Retirement Planning FAQs
Straight answers to the questions we hear most from clients who meet with us online.
How does virtual retirement planning work?
You book a time, we send you a meeting link (or call you), and we talk through your goals by video or phone. In later meetings Roger shares your plan on screen so you can see the numbers and ask questions as you go. It is the same one-on-one planning as an office visit, without the drive.
Is virtual retirement planning as effective as meeting in person?
For most people, yes. You get the same one-on-one planning, and seeing your plan on a shared screen often makes the numbers easier to follow. It is also easier to include family who live somewhere else.
Which video apps can we use?
Zoom, Google Meet or FaceTime, whichever you are most comfortable with. Zoom and Google Meet can run in a web browser, FaceTime works on iPhone, iPad and Mac, and phone-only meetings are always an option.
Do I have to live in Florida to work with Roger Fishel?
No. Retirement planning conversations are available nationwide by video and phone. Insurance, annuity and Medicare products can only be offered in states where Roger is licensed, and we will explain what applies to you during your first conversation.
Can my spouse or adult children join from somewhere else?
Yes. Everyone can join the same meeting from their own location, which is one of the biggest advantages of meeting virtually.
Can you give me a second opinion on my current retirement plan?
Yes. Many virtual clients come to us for a fresh look at an existing plan, annuity, pension decision or Social Security strategy. Bring what you have and we will walk through it together.
I am moving to Florida. When should I start planning?
Before you move. Starting early lets us plan the sale of your current home, Florida insurance costs, your Homestead Exemption and Florida domicile. Grab the free 2026 Florida Retirement Checklist.
We are snowbirds moving to Florida full time. What should we do first?
Start with domicile: file a Declaration of Domicile, get a Florida driver license and register to vote, then file for Homestead by March 1 if you own your home. Before you move, we look at the timing of any home sale, Roth conversion or large withdrawal, and at your former state's residency rules, so you do not pay its income tax by mistake. Neither the firm nor its agents or representatives may give tax or legal advice. See the moving steps.
How do I share documents safely?
Never email your Social Security number or account passwords. We will show you a secure way to share statements, and many documents can simply be reviewed together on screen.
What do your meetings cost?
Every session is free, with no obligation. Your Retirement Clarity Session is a conversation about your goals and questions, not a sales pitch.
Plan. Protect. Prosper.
Get Clarity About Your Retirement, From Anywhere
Schedule a free Retirement Clarity Session by video or phone, or start with a free guide. Either way, you will leave with clear next steps, even if you never work with us.
Prefer to talk now? Call (407) 974-7100, Monday to Friday, 9:00 AM to 5:00 PM Eastern.
