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Your Guide to and Through Retirement

Coordinated for
Central Illinois Families

When you've spent a career building toward retirement, the decisions waiting at the finish line deserve more than a portfolio and a handshake. We help families across Central Illinois turn years of saving into a plan they can actually live on.

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What We DoOne Point of Contact for Every Decision

What We DoOne Point of Contact for Every Decision

Retirement asks you to make choices about cash flow, taxes, investments, protection, and what you leave behind, and rarely do the professionals handling each piece ever speak to one another. We take on that coordinating role, running Social Security optimization, multi-year tax projections, and estate calculations while getting your CPA, attorney, and insurance professionals working from the same page. The result is a clear answer to the questions that keep you up at night, whether that means showing you the path to the retirement you've pictured or having the honest conversation about what needs to change to get there.

Who We HelpThose Approaching the Finish Line of a Long Career

The people we serve have worked hard, saved well, and reached a stage where the decisions ahead carry real weight.

Pre-retirees

Pre-retirees

Professionals within a decade of retirement, weighing when to leave work and how to prepare.

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Families Planning Ahead

Families Planning Ahead

Households thinking beyond themselves to how wealth passes to the next generation.

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Recent Retirees

Recent Retirees

People navigating the shift from earning a paycheck to funding a life from savings.

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How We HelpSolutions That Cover Every Base

Good planning connects decisions that too often get made in isolation. We build around the areas that shape your retirement, then keep them working together as your life and the markets change.

Retirement Planning

Turning decades of saving into dependable income, with a clear look at where you stand today and what comes next.

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Investment Management

Portfolios built around your goals and timeline, adjusted as retirement nears and the cost of a bad year rises.

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Cash Flow & Income Planning

Mapping what comes in and goes out, then sequencing your income sources for the life you're funding.

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Protection Planning

Reviewing your coverage and closing gaps, so illness, disability, or an early loss doesn't undo the rest.

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Legacy & Estate Planning

Coordinating with your attorney on documents and giving strategies that reflect what matters most to you.

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Social Security & Tax Strategy

Optimizing when you claim and how you're taxed across the years, keeping more of what you've built.

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ebook5 Ways to Stay Confident in Retirement

Retirement comes with real financial questions: rising health care costs, unpredictable income, and the impact of debt. This guide takes a close look at each one and offers practical steps to help you build a stronger financial future.

Who We AreRooted in Central Illinois Since 1989

Who We AreRooted in Central Illinois Since 1989

Pete Monferdini opened our doors in Central Illinois in 1989, building a practice around lasting relationships and personal service. Today, Logan Dirks works alongside Pete to carry that tradition forward and ensure the relationships built over the past three decades continue well into the future.

Resources & Education


How Long Will My Savings Last If I Become Disabled?

See how long your current savings might last if a disability interrupted your income.
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Split Annuity Strategy

Here's one strategy that combines two different annuities to generate income and rebuild principal.
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Intellectual Property and Your Estate

Do you have intellectual property? Consider how you might include your IP into your estate strategy in this detailed article.
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The Wild West of Data Theft

Learn about cyber liability insurance in this entertaining video.
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Let's See If We're The Right Fit

The first conversation is simply a chance to talk through where you are and where you'd like to be, with no obligation to go further. Reach out to schedule a time, and let's see whether what we do lines up with what you're looking for.

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