Retirement Income Planning
Lifetime income strategies, retirement stress-testing, and income gap analysis — so you know exactly where your paycheck comes from once the W-2 stops.
Frank Baumgartner
Retirement Specialist
Retirement Planning Specialist · Denver, CO
Hi, I'm Frank Baumgartner.
I help individuals and families approaching or in retirement protect their wealth, reduce taxes, and create reliable lifetime income — using strategies like fixed indexed annuities, indexed universal life, and Social Security optimization.
I also show clients how to eliminate debt faster and redirect that freed-up cash flow into building long-term, tax-efficient wealth. Based in Denver, serving clients nationwide.
Book a free consultation
Our Mission
To exceed our clients' expectations and help secure their retirement by offering professional advice, education, and value-added service — with a personal touch.
What We Offer
A Complete Retirement Toolkit
From income planning and tax strategy to annuities, IULs, and accelerated debt payoff — every piece works together toward one goal: the retirement you want.
Medicare Optimization
Guidance on choosing the right Medicare path — Parts A, B, D, Medigap vs. Advantage — so you avoid costly mistakes, IRMAA surcharges, and coverage gaps.
Tax-Efficient Strategies
RMD, Roth conversion, and IRMAA planning designed to reduce taxes today and across the rest of your retirement.
Fixed Indexed Annuities
Custom-designed FIAs for principal protection, tax-deferred growth, and guaranteed lifetime income — with no exposure to market downside.
Indexed Universal Life
IUL strategies for tax-free retirement income, wealth preservation, long-term care benefits, and a lasting legacy for your family.
Debt Elimination & Cash Flow
Accelerated payoff strategies that free up cash flow and redirect it into long-term, tax-efficient wealth — often without spending an extra dollar.
Why Work With Us
A calmer way to plan the retirement you want.
We help you grow and protect what you've worked for, then turn it into income you can count on. Our mission is simple — build retirement plans you can trust, with guidance that puts you first.
500+
Clients Guided
25+
Years Combined
Reason
01
Retirement-First Strategy
Every recommendation starts with your retirement goals — not a product pitch. We design plans that grow your savings, protect against market loss, and create reliable lifetime income.
Reason
02
The Personal Touch
You'll work directly with an experienced advisor who provides professional guidance, education, and ongoing service tailored to you and your family.
Reason
03
Commonsense Approach
We ask, we listen, and only then do we recommend. No pressure, no jargon — just clear strategies built around the retirement you want.
Debt Acceleration · Powered by United Financial Freedom
Want to be completely out of debt — mortgage and all — in 5 to 10 years?
This isn't debt consolidation. It's debt acceleration — a proven strategy that uses the cash flow you already have to pay off every debt you owe, often years faster and without changing your lifestyle.
- Pay off mortgage, cars, credit cards & student loans — typically in 5–10 years
- No refinancing, no new loans, no bankruptcy
- Redirect freed-up cash flow into long-term, tax-efficient wealth
Educational information only. Results vary based on income, debts, and discipline. Frank Baumgartner partners with United Financial Freedom to make this strategy available to clients.
Retirement Savings Calculator
How much should you save each year?
Estimate the annual savings needed to reach your retirement income goal. Adjust the assumptions to see how each lever changes the plan.
Your inputs
You should save approximately
$37,633 / year
≈ $3,136 per month for 20 years
Behind the math
Years until retirement20 yrs
Income gap at retirement (inflated)$81,931 / yr
Nest egg needed at retirement$1,705,080
Projected value of current savings$320,714
Additional needed at retirement$1,384,367
Educational only. This calculator is a simplified illustration and is not financial, tax, or investment advice. For a personalized plan, let's talk.
Book a 30-min call with FrankFrequently Asked
Answers to the questions we hear most.
Don't see what you're looking for? We're happy to walk through your specific situation — no pressure, no jargon.
Ask a questionGet In Touch
Let's build a retirement plan that fits you.
Tell us a little about your goals — we'll reach out within one business day with clear, no-pressure guidance.