Your Retirement Awaits.

Make It Safe, Fun and Worry-Free.

You worked hard, lived within your means and saved. Let's convert all of those efforts into your best winning strategy.

Services


Retirement Planning

  • Individuals
  • Business Owners
  • Corporate Employees
  • Federal Employees
  • Medical Insurance in Retirement
We listen intently to your story and aspirations for your retirement. We craft a monthly view from now to age 100 so that you have your roadmap for success.
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Medicare Expert

We will quickly and clearly explain how this excellent insurance coverage works, getting you past the lingo, so that you will be able to confidently make the right choices that work for you. Should you start at 65? How do I avoid any penalties?

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Federal Employee Retirement Expert

If you’re a Federal Employee, your benefits are unique, comprehensive and complicated.

You deserve to work with a genuine expert who can successfully guide you thru this maze to your best outcome. Do not let well intentioned but untrained Advisors hurt you.


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Female Retirees

Whether you are Single, Married, Widowed or Divorced, we specialize in structuring your well-deserved retirement.  We are interested in your story. 

It is fun to work with someone with humor, tact and insight to bring to reality that which is in your mind and heart.

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Social Security Planning

We approach this  decision making process in the context of your overall unique retirement picture.  We factor in both spouses and survivor considerations for both couples and individuals.  We crunch all the numbers properly to arrive at your best options.


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Heirs, Beneficiaries, Estate and Charities

If you are blessed with money beyond your monthly needs, doesn’t it make sense to maximize those as well?

Starting with your Real Retirement Plan we can forecast your lifetime needs and reserves to accurately frame the surplus for your generosity.  Who knows what blessings will arise from this foresight.


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Fiduciary Guidance

We gather all of the relevant facts and numbers to design a financial structure that logically includes all the many moving parts.  We subscribe  to the two Cardinal Rules for RIA’s:  The Prudent Man Rule and The Know Your Customer Rule.

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Free Consultation

We share a candid conversation to find out you story, numbers and intentions to discover what your successful retirement looks like.  

These are not just words into thin air, we capture the numbers to build your Real Retirement Plan…your month by month guide throughout your retirement.

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Corporate Retiree Expert

We assess your retirement package completely together.

  • 401(k) rollovers
  • Stray IRA’s
  • Health Insurance Programs
  • Medicare and Social Security Planning

Total Household resources are factored and arranged to highest effect

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How We Get Paid

We are a Hybrid RIA Firm, which means that we can charge Fees for services and assets under management as well as commissions from insurance carriers.  We do not charge fees for commissionable products, but we do credit those assets towards fee breakpoints.  We do not charge you to create your Real Retirement Plan.  That is our investment into our relationship that naturally guides the investment choices selected.

We credit you on all referrals towards breakpoints, whether they are family, friends or colleagues.  

Industry Studies have consistently shown that clients who utilize and Advisor earn 3% more per year, net of fees. If you earn 8% instead of 5% over time, your money doubles in 9 years rather than 14.4 years.

More money, more clarity, more sleep at night peace of mind.

What We DoThis Is Your Retirement Story, You Are The Star!

We serve as your trusted guide, entrusted to crunch the numbers and align the monthly cashflows to what you would truly like to happen. From individual investors to entrepreneurs, our services are designed for your success.

Who We AreMichael J. Pierce, MBA

Michael earned his MBA in Professional Accounting from Rutgers University and is Securities licensed as a Registered Investment Representative, and President of his own Registered Investment Advisory Firm: 65 and Sunny! Registered Investment Advisors, LLC. He is also a licensed Insurance Agent in Life and Health Insurance.

ResourcesRetirement Planning, Webinars, AND More

From retiring early to funding a college education to fueling your passion for philanthropy, our client-focused resources can help.

Investment Challenges of the Affluent Investor

Investment Challenges of the Affluent Investor

Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
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Life Insurance Myths: Debunked

Life Insurance Myths: Debunked

Whether you have life insurance through your work or are retired it pays to know the truth about life insurance coverage.
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The ABC’s of Auto Insurance

The ABC’s of Auto Insurance

What kind of auto insurance should you have? Do you know?
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