Retirement planning · Mobile, Alabama · Gulf Coast
Retirement planning, built around you
Clear, plain-language guidance on retirement income, Social Security timing, Medicare, life insurance and protecting the money you cannot afford to lose. From a Marine Corps veteran and former finance professor who has advised Gulf Coast families since 1997.
Schedule a complimentary consultation Call (251) 206-7074
How we help
One plan that covers the decisions ahead
Each area below has its own guide. Read first, then let's talk about how it fits your situation.
Retirement Planning
A written plan that coordinates income, Social Security timing, health care costs and how your savings are positioned.
Start here →Retirement Income
Turning what you have saved into dependable monthly income that is designed to last, with an income floor for the essentials.
How we approach income →Principal Protection
Conservative, insurance-based options for CDs coming due and money you cannot afford to lose to a market decline.
Compare the options →Medicare Planning
Independent help comparing Medicare Supplement, Advantage and Part D choices, with the Gulf Coast specifics explained.
Medicare guide →Life Insurance
Term, whole and indexed universal life, chosen for how much coverage you really need and what you can comfortably pay.
Life insurance FAQ →Annuities
Plain explanations of fixed and fixed indexed annuities, what they guarantee, what they cost, and when they fit.
Annuities explained →Long-Term Care Planning
Ways to prepare for the cost of extended care without draining the savings your retirement depends on.
Long-term care guide →Estate Planning
Beneficiary reviews, will and trust basics, and passing on what you have built with fewer surprises. Not legal advice.
Estate planning basics →Business Owners
Retirement and protection strategies for owners who need a plan for both the business and the household it supports.
For business owners →Who we help
Built for the people who sit across the table from us
Within ten years of retiring
You want to know whether you are on track, when to claim Social Security and how to protect what you have built.
Already retired
You want your money to last, your income to be predictable and your Medicare and tax decisions handled with care.
Business owners
You need a retirement plan that works alongside the business, including what happens to both if something happens to you.
Starting early
You are a young professional who wants to use time to your advantage, with coverage and savings that grow with you.
Our clear path forward
A six-step process, in order
You always know which step you are on, and nothing is recommended before the first four are done.
Understand your risk comfort
How much market risk makes sense for your situation and your timeline.
Review your financial picture
What you have now, where you want to go, and a clear baseline to measure from.
Optimize your Social Security
Timing and claiming choices, including survivor coordination for couples.
Create your retirement roadmap
A written plan that shows the decisions ahead and the order to make them in.
Organize your savings
Growth where it belongs, protection where it is needed, matched to your goals.
Put it all together
An action plan, reviewed with you regularly as life changes.
Meet Dr. Leon Grove
A teacher's approach to your retirement
Dr. Grove entered financial services in 1997 and founded Grove Financial Group, Inc. in 2002; the firm has been fully independent since 2004. He came to the work after fourteen years in the United States Marine Corps, where he oversaw pay, entitlements and benefits for service members, and after years teaching accounting and finance at the college level.
That background shapes both how he plans and how he explains. Every recommendation comes with the reasoning behind it, in plain language, so you understand the why before you decide.
- Chartered Financial Consultant (ChFC®)
- Retirement Income Certified Professional (RICP®)
- Service-disabled U.S. Marine Corps veteran
- Former accounting and finance professor
- Doctor of Business Administration, MBA
- Mobile, Alabama, by appointment
Free guide
The Retirement Income Planning Guide
A plain-language look at creating income in retirement and at principal protection options, with the trade-offs of each. Enter your information and we will send it over, then follow up to see whether a complimentary consultation would help.
What is inside
Income floor basics, Social Security timing, the CD-versus-annuity question, and the five mistakes we see most often.
Who it is for
Anyone within ten years of retirement, or already retired, who wants the options explained before the sales pitch.
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Seminars
Learn before you decide
Short, educational sessions on the retirement topics Gulf Coast families ask about most. No products pitched, just the questions answered.
- Medicare 101: what changes at 65 and what to decide first
- Retirement income: building a floor under your essentials
- Principal protection: CDs, annuities and the trade-offs
What we hear most often
- 01My CD is coming due and I am not sure whether to renew.
- 02I do not know when to take Social Security.
- 03I want income I can count on in retirement.
- 04I am turning 65 and Medicare is confusing.
- 05I am not sure my savings are set up the right way.
Good questions
Before you call, the things people want to know
Is the first meeting really free?
Yes. The first consultation is complimentary and carries no obligation. It usually runs 45 to 60 minutes, in person in Mobile or by phone or video, and covers your retirement timeline, income sources, savings, Social Security and Medicare questions. It is a conversation, not a sales presentation.
Who does Grove Financial Group work with?
Mostly people within about ten years of retirement and people already retired, across Mobile and Baldwin Counties and the wider Gulf Coast. We also work with business owners planning their own retirement and with younger professionals who want to start early. There is no minimum account size to have a conversation.
How is Grove Financial Group paid?
Grove Financial Group, Inc. is paid by commission from the insurance companies whose products it sells, such as annuities and life insurance. Investment advisory services are offered separately through Gradient Advisors, LLC, an SEC registered investment adviser, under its own fee arrangements, which are explained in writing before any account is opened. We tell you how we are paid before you decide anything.
Do I need to be in Mobile to work with you?
No. In-person appointments are held in Mobile, Alabama by appointment. Phone and video consultations serve the rest of the Gulf Coast, including Daphne, Fairhope and Spanish Fort. Insurance products are available to residents of Alabama, Arizona, Florida, South Carolina and North Carolina, where Leon Grove is licensed.
What should I bring to a first meeting?
Your most recent Social Security statement, statements for retirement accounts such as a 401(k), 403(b), TSP or IRA, any pension estimate, current insurance policies, and a rough idea of your monthly expenses. If you do not have all of it, come anyway. The first meeting is about understanding your situation, not auditing it.
Can you guarantee my money will last?
No one can. What we can do is build a written plan around a dependable income floor, show you the trade-offs of each option in plain language, and review the plan with you as your life changes. Insurance guarantees are backed solely by the issuing insurance company, and investing involves risk, including possible loss of principal.
Let's talk about your retirement
A complimentary, no-obligation conversation with Dr. Leon Grove, in person in Mobile, AL or by phone or video. Bring your questions and leave with a clearer next step.
Book my consultation