Business Details
Your Trusted Retirement Financial Advisors in Cincinnati
At Personal Choice Financial, we are dedicated to empowering retirees and pre-retirees to achieve financial independence through personalized, data-driven strategies. Our team of certified financial planners brings decades of combined experience in retirement planning, tax optimization, and investment management, ensuring clients receive tailored guidance aligned with their unique goals. We prioritize transparency, operating as a fee-only firm to eliminate conflicts of interest while adhering to rigorous ethical standards. Our process begins with a no-obligation introductory call, followed by in-depth analysis of clients' financial situations, investment philosophies, and long-term objectives.We specialize in addressing critical retirement questions: determining sustainable withdrawal rates, minimizing tax liabilities, preparing for market volatility, and optimizing Social Security and Medicare benefits. Our commitment to excellence is reflected in our client-centric approach, which emphasizes continuous education, adaptive financial planning, and unwavering support throughout every stage of retirement. With a focus on building lasting relationships, we strive to be the trusted partner clients rely on for lifetime financial security.
Services
Retirement Planning
Tax Optimization
Investment Management
529 Plan Guidance
Social Security Analysis
Medicare Planning
Estate Tax Strategies
Financial Education
Portfolio Withdrawal Analysis
College Savings Planning
Highlights and features
- We are NAPFA-registered fee-only advisors with multiple CFP professionals on staff
- Our process includes personalized investment philosophy development and tax optimization strategies
- We provide comprehensive analysis of Social Security, Medicare, and retirement withdrawal rates
- Our team holds advanced credentials including CPA and Enrolled Agent certifications
- We offer ongoing financial planning tailored to evolving life circumstances
Services
Retirement Planning
Our retirement planning process helps clients determine financial readiness through comprehensive analysis of assets, income sources, and spending patterns. We develop customized strategies for sustainable withdrawals, tax efficiency, and market volatility preparedness. Our team guides clients through critical decisions about Social Security optimization, Medicare enrollment, and estate planning considerations.
Tax Optimization
We specialize in minimizing tax liabilities throughout retirement by analyzing income sources, implementing tax-efficient withdrawal strategies, and optimizing investment structures. Our approach considers current and future tax implications across multiple scenarios, including required minimum distributions and potential legislative changes affecting retirees.
Investment Management
We develop personalized investment philosophies aligned with client risk tolerance and financial goals. Our approach emphasizes diversified portfolios, regular rebalancing, and adaptive strategies to navigate market cycles while maintaining focus on long-term retirement objectives and income sustainability.
529 Plan Guidance
Our 529 plan expertise covers contribution strategies, investment selection, tax benefits, and distribution planning. We help clients navigate super-funding options, beneficiary changes, and scholarship considerations while maximizing educational funding efficiency across various institutions and scenarios.
Social Security Analysis
We provide detailed analysis of Social Security claiming strategies to maximize lifetime benefits. Our evaluation considers spousal benefits, delayed retirement credits, and tax implications while integrating Social Security decisions with overall retirement income planning and Medicare considerations.
People
Chris Hansen
Founder & CEO
Certified Financial Planner with NAPFA registration, Chris leads retirement planning strategies and firm vision. He specializes in complex retirement transitions and tax-efficient income planning for clients nationwide.
Robert Hansen
Lead Financial Advisor
CFP professional focusing on investment strategy development and portfolio management for retirees. Brings extensive experience in creating sustainable withdrawal plans and market volatility preparedness.
Benjamin Dobler
Director of Financial Planning
Dual-credentialed CFP and Enrolled Agent with expertise in tax planning and estate considerations. Specializes in integrating tax strategies with retirement income planning for optimal client outcomes.
Sharon Miller
Client Service Specialist
CFP-certified client advocate ensuring seamless service delivery. Coordinates client documentation, meeting preparation, and ongoing communication to support the planning process.
Brian Munoz
Tax Specialist
CPA and CFP professional combining deep tax expertise with retirement planning. Focuses on minimizing tax liabilities through strategic income distribution planning and legislative updates analysis.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including income sustainability analysis, tax optimization strategies, investment management, Social Security maximization, and Medicare planning tailored to individual circumstances.
Are you a fee-only financial advisor?
Yes, we operate as a fee-only firm with no commissions or product sales, ensuring unbiased recommendations aligned solely with client interests.
How do you help with tax reduction in retirement?
We analyze tax implications across multiple scenarios, optimize withdrawal strategies from various accounts, and implement tax-efficient investment approaches to minimize lifetime tax liabilities.
Can you assist with 529 college savings plans?
Yes, we provide guidance on 529 plan contributions, investment selection, tax benefits, and distribution strategies including scholarship considerations and beneficiary changes.
What is your investment philosophy?
We develop personalized investment philosophies based on risk tolerance, time horizon, and financial goals, emphasizing diversified portfolios and regular rebalancing to maintain alignment with client objectives.
How do you handle market volatility during retirement?
We create contingency plans for market corrections, stress-test withdrawal strategies, and implement tactical adjustments to preserve capital while maintaining sustainable income streams throughout retirement.
