Is Your Retirement Radar™ On?
Helping Clients Since 1992
Retirement Income Certified Professional® (RICP)® |
Gary L. Fisher
MSA, RICP, CEPA, CSA, CDFA, CLTC, LUTCF Wealth Advisor, President |
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2026 will usher in several big changes in retirement planning and build on some big changes that have already occurred:
Retirement savings have been a major concern for millions of Americans for a long time but now more than ever it’s critical to be sure that you have a handle on what’s happening.
Why? A big part of the reason is the series of new laws and changes enacted by Congress over the last few years. Chiefly among them is the so-called The Setting Every Community Up for Retirement Enhancement (SECURE) Acts 1 & 2, and the most recent One Big Beautiful Bill (OBBB). These include dramatic and significant changes that can impact every retiree with assets to protect and preserve.
Every type of retirement plan is impacted by these sweeping changes. Americans have trillions of dollars set aside in retirement plans and accounts and for many it’s their biggest asset. So while most financial advisors are focused on why and how you should save for retirement, we put protecting those savings at the top of the priority list.
Look at it like this: What good is making even a 50% return on an investment if, at the time of the withdrawal, taxes will step in to claim 70%, 80%, or even 90% of your nest egg?
Owing to a complex web of distribution and estate taxes that kick in at retirement or death, millions of you are at risk of losing much- perhaps even most- of your retirement savings. This could put an incredible burden on you, your children, and society as a whole as the number of retirees swell exponentially over time.
None of this takes into account the ever-changing intricacies of the United States tax code, Social Security, and Medicare rules. The failure to understand all of this could put you and your nest egg in jeopardy at precisely the wrong time – when you are no longer working or want to be - i.e. RETIREMENT.
This all can create a tremendous amount of stress.
Why? A big part of the reason is the series of new laws and changes enacted by Congress over the last few years. Chiefly among them is the so-called The Setting Every Community Up for Retirement Enhancement (SECURE) Acts 1 & 2, and the most recent One Big Beautiful Bill (OBBB). These include dramatic and significant changes that can impact every retiree with assets to protect and preserve.
Every type of retirement plan is impacted by these sweeping changes. Americans have trillions of dollars set aside in retirement plans and accounts and for many it’s their biggest asset. So while most financial advisors are focused on why and how you should save for retirement, we put protecting those savings at the top of the priority list.
Look at it like this: What good is making even a 50% return on an investment if, at the time of the withdrawal, taxes will step in to claim 70%, 80%, or even 90% of your nest egg?
Owing to a complex web of distribution and estate taxes that kick in at retirement or death, millions of you are at risk of losing much- perhaps even most- of your retirement savings. This could put an incredible burden on you, your children, and society as a whole as the number of retirees swell exponentially over time.
None of this takes into account the ever-changing intricacies of the United States tax code, Social Security, and Medicare rules. The failure to understand all of this could put you and your nest egg in jeopardy at precisely the wrong time – when you are no longer working or want to be - i.e. RETIREMENT.
This all can create a tremendous amount of stress.
The Key to Surviving and Thriving...in this kind of an environment is to have a smart plan that is tightly aligned with who you are, with your goals and dreams - dreams for your family, your business, your health and wealth and your future. It’s all about crafting a plan that will help you and your money both be more resilient.
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Creating your personal retirement plan make sense if your aim is to:
✓ Avoid running out of money before you run out of life
✓ Optimize your Social Security benefits and understand the myriad of options you have available – and the pros and cons of each
✓ Maximize and comprehend Medicare – the health plan most of the country is required to go on at ae 65
✓ Make the most of your retirement savings
✓ Save a fortune by avoiding excessive and often needless taxation
✓ Pass on more assets to loved ones and other beneficiaries
✓ Expand your knowledge of retirement distribution planning
✓ Tap retirement funds for emergency cash without big penalties
✓ Understand the intricacies of estate planning: Trusts, Wills, Powers of Attorney, Advance Directives - how they work and if you would benefit from them
✓ Discover alternatives to the Stretch IRA (that the Secure Act dismantled)
✓ Create larger inheritances, with more control and less tax
✓ Integrate your retirement plan with your estate plan
✓ Avoid falling into tax traps with the complex new inherited rules
✓ Protect retirement accounts from creditors, divorce, bankruptcy, lawsuits, or other problems that could expose them to confiscation
✓ Optimize your Social Security benefits and understand the myriad of options you have available – and the pros and cons of each
✓ Maximize and comprehend Medicare – the health plan most of the country is required to go on at ae 65
✓ Make the most of your retirement savings
✓ Save a fortune by avoiding excessive and often needless taxation
✓ Pass on more assets to loved ones and other beneficiaries
✓ Expand your knowledge of retirement distribution planning
✓ Tap retirement funds for emergency cash without big penalties
✓ Understand the intricacies of estate planning: Trusts, Wills, Powers of Attorney, Advance Directives - how they work and if you would benefit from them
✓ Discover alternatives to the Stretch IRA (that the Secure Act dismantled)
✓ Create larger inheritances, with more control and less tax
✓ Integrate your retirement plan with your estate plan
✓ Avoid falling into tax traps with the complex new inherited rules
✓ Protect retirement accounts from creditors, divorce, bankruptcy, lawsuits, or other problems that could expose them to confiscation
And best of all... Create YOUR plan and not the government's plan!
While all of this might seem a tad bit daunting...Not to fear!
We have been helping people put robust retirement plans together for 33 years. We know what to do, how to do it, and best of all how to communicate it so it’s accessible and not intimidating.
We help you put it together and make sense of it with our unique process: The Retirement Radar 4x4 process
We have been helping people put robust retirement plans together for 33 years. We know what to do, how to do it, and best of all how to communicate it so it’s accessible and not intimidating.
We help you put it together and make sense of it with our unique process: The Retirement Radar 4x4 process
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The Retirement Radar™ 4x4 Process
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The 4 Steps of the Retirement Radar™ 4x4 Process
Discover✓ Your Goals and Values
✓ Your Vision for your future ✓ Your current finances, taxes and estate plans ✓ Your top priorities ✓ Our services ✓ Our process |
Design✓ Organizing your financial life
✓ Understanding your net worth ✓ Assessing your cash flow ✓ Tax return analysis ✓ Estate Plan analysis ✓ Analyzing your risk ✓ Developing your Retirement Radar plan |
Deliver✓ Finalize your customized
✓ Retirement Radar plan ✓ Align your investments with your personalized market volatility and risk tolerance ✓ Optimize your cash flow ✓ Provide solutions to key objectives ✓ Transition plan and implementation |
Dedicated✓Active plan management
✓Regular proactive communication, education and ongoing advice ✓Tax and Wealth management ✓Plan update meetings ✓Special client events ✓Receive our customized quarterly update newsletters ✓Receive our client lifestyle magazine ✓Access to your plan and accounts through our encrypted online app available on your smart phone or via any internet connection worldwide |
We look at retirement planning as a baseball diamond with four bases to touch to hit a home run in retirement. Sports analogies? Yes! But retirement planning is a game, a VERY serious game, but it’s one you need to play to win - and there aren’t many better analogies than hitting a home run to win the game!
The Diamond of Retirement Planning
First Base – Health
Second Base - Wealth
Third Base - Preservation
Home Plate - Connection
Second Base - Wealth
Third Base - Preservation
Home Plate - Connection
HealthHealth means taking care of your body, mind and spirit so you can be stronger for longer – hopefully adding to not just your life span but your QUALITY of LIFE Span. Which are two completely different things. Staying strong but planning for potential health care and medical costs or long term care issues can be a smart move.
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WealthWealth is essentially managing the four cornerstones of retirement planning effectively. This includes goal setting, plans to help parents, kids, and grand kids, continuing to accumulate wealth, managing assets investments, emergency funds for spending shocks, and more.
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PreservationPreservation harkens back to what we listed out in the bullet points above. You have MUCH to lose in retirement, and precious little time to do anything about it if it happens. That’s why being prepared is critically important. The RISKS OF RETIREMENT are significant; the solutions should be too. Taxes are a key area of consideration but so is inflation and market volatility.
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ConnectionConnection means caring about something that gets your juices flowing, excites you, makes you smile and joyfully work toward achieving is something that successful retirees report being extraordinarily valuable to them as the transition to this phase of life. It can include taking steps to protect your legacy for family and loved ones. It also refers to daily pursuits and goals that range from contributing to a church, charities, kids and grandkids. For many it means personal achievements like writing a book, perfecting your golf, tennis, or pickleball game, working out, or travel- or even a second career- something you do for the fun of it not the money as an example. It’s up to you - but watching reruns of Seinfeld or cable news all day isn’t something we recommend for a happy retirement.
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About our Firm
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G.L. Fisher Capital Management, LLC is led by our founder and president, Gary L. Fisher. He’s been helping people make smart decisions with their money since 1992, and has the skills, education training and background to help today’s retirees do the same. He has a Bachelor’s Degree from the University of Michigan, a Master’s of Science in Business Administration from Central Michigan University.
Additionally he holds the following designations and licenses: Credentials: Education Bachelors Degree/The University of Michigan Masters of Science in Business Administration/Central Michigan University Professional Designations Retirement Income Certified Professional (RICP) Certified Exit Planning Advisor (CEPA) Certified Long Term Care (CLTC) Certified Senior Advisor (CSA) Life Underwriter Training Council Fellow, (LUTCF) Certified Divorce Financial Analyst (CDFA) Licenses and Registrations (registrations held with LPL Financial) Series 7 General Securities Representative Series 63: Uniform Securities Agent Law Series 65: Uniform Investment Adviser Law Series 24: General Securities Principal Series 51: Municipal Fund Securities Principal Life, Accident, & Health insurance licenses |
Our firm works with clients from every part of Michigan, and 15 other states. We can accommodate you via a virtual meeting or in our offices in the historic Mott Foundation Building in downtown Flint, conveniently located next to the campuses of both the University of Michigan and Michigan State University.
We work with partners from coast to coast including our broker/dealer LPL Financial, the nation’s largest for independent advisors*. Independent specialists we partner with include tax, legal, insurance, and estate professionals. Our leverage can be your advantage when it comes to making your retirement dreams a reality. *As reported by Financial Planning magazine, 1996-2025, based on total revenue.
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What’s next?
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One of the biggest mistakes people make with their money…is waiting.
Because here’s the truth: without a clearly defined retirement plan you could outlive your savings, overpay thousands in unnecessary taxes, or leave your family with avoidable stress and confusion. But it doesn’t have to be that way. |
With a properly constructed retirement, tax and estate plan, you can work towards creating predictable lifetime retirement income, keep more of your money, and help make sure that your wishes are honored – no matter what the future brings.
Every day that you delay is a year of lost opportunities and fewer options. Tax laws change. Markets change. And time is the one thing you can’t get back.
Now is the time to take control!
Schedule a confidential, complementary, and no obligation consultation with us today. Learn where you stand, what’s at risk (and how much risk you are ACTUALLY taking now), and best of all what steps you can take right now to help preserve your families future.
Your money should work for you – today, tomorrow, and for generations to come.
Take action now.
Every day that you delay is a year of lost opportunities and fewer options. Tax laws change. Markets change. And time is the one thing you can’t get back.
Now is the time to take control!
Schedule a confidential, complementary, and no obligation consultation with us today. Learn where you stand, what’s at risk (and how much risk you are ACTUALLY taking now), and best of all what steps you can take right now to help preserve your families future.
Your money should work for you – today, tomorrow, and for generations to come.
Take action now.