Retirement income planning · Gulf Coast Alabama
Turn your retirement savings into income you can plan around.
Dr. Leon and Grove Financial Group help Gulf Coast families map out income for retirement, understand their Social Security and Medicare choices, and decide how much of their savings to protect from market risk.
Schedule your free income review (251) 206-7074ChFC® and RICP® designations · Advising since 1997 · Veteran-owned
Who we serve
How can we help you?
Whether you are five years from retirement or already retired, the plan starts with your life, not a formula.
Pre-retirees, ages 55 to 65
We help you map your income sources, understand your Social Security timing choices, and think through how to position savings before you stop working.
New retirees, ages 65 to 75
We review how your income is structured, how withdrawals are sequenced, and whether your plan still fits your needs.
Gulf Coast families
We are a Black-owned, veteran-owned firm rooted in Mobile, and we work with families across the Gulf Coast who are building and protecting what they have earned.
Our approach
A three-step retirement income process
Free discovery call
We start by listening: your retirement goals, current savings, income sources and concerns. No cost and no pressure.
Your income plan
We put together a written plan covering Social Security timing, Medicare, how you draw on savings, and how much to protect from market risk.
Review and adjust
If you choose to move forward, we help you put the plan in place and review it with you as your life changes.
What a plan covers
The pieces of a retirement income plan
- Predictable monthly incomeWe map income from Social Security, pensions, savings and, where they fit, annuities, so you can see what to expect each month.
- Protection from market riskFixed and fixed indexed annuities can protect a portion of savings from market declines. They have surrender charges and limits, and guarantees depend on the insurer.
- Social Security timingWe walk through your claiming options and the trade-offs of each. The Social Security Administration determines your actual benefit.
- MedicareWe explain your enrollment windows and coverage choices and include health care costs in the plan.
- TaxesWe discuss the order of withdrawals and coordinate with your tax professional. We do not provide tax advice.
Ready to talk about your income plan?
Schedule a free, no-obligation consultation with Dr. Leon, in person in Mobile, AL or by phone or video.
Book your income reviewOr call (251) 206-7074
Why Grove Financial Group
Who you will be working with
Service-disabled veteran
Dr. Leon served fourteen years in the United States Marine Corps.
Black-owned firm
Grove Financial Group was established in 2002. Dr. Leon has advised families since 1997.
Former finance professor
He explains financial concepts in plain language you can act on.
In person or virtual
Meet in Mobile, AL by appointment, or connect by phone or video.
Take the first step
Book a complimentary retirement income consultation. No cost and no obligation.
Book my free consultation