Get the income, growth, and protection that you deserve in retirement.
Assurance FP helps pre-retirees and retirees across the US build a fortress around their life's work. Income that lasts. Taxes that don't take more than they should. A legacy that actually reaches the people you love.
Kerry Morris - CFP® CFEd®
Founder of Assurance Financial Partners
“Whether the market is dropping or taxes are rising, you can remain calm and confident, knowing your bases are covered. That’s what we build together.”
Tim Henderson - CRCS™
"Retirement isn't the finish line. It's the starting line. Our job is to work from the end back to the beginning so everything is in place before the race even starts."
Are These Fears Keeping You Awake at Night?
Most people come to Kerry Morris and Tim Henderson with one of four concerns. They may not be able to name it exactly, but they know something is keeping them up. These are the four they hear most often.
The Income Gap Nobody Warned You About
If you've been earning $130,000 a year. Your combined Social Security is going to be $45,000. Nobody told you there would be a gap that large, or that it could quietly erode everything you worked for. Building income that actually replaces what you earned, without depending entirely on a volatile market, is the first problem Assurance FP solves.
Paying More in Taxes Than Necessary
Kerry Morris has sat with clients who had no children, several million dollars, and one burning priority: not one unnecessary penny to the government. The strategies that address that, Roth conversions, tax-efficient distribution sequencing, estate planning, they are not secret. They just require someone who knows how to deploy them in the right order at the right time.
A Health Event That Changes Everything
Seven out of ten people will need some form of long-term care. Most families don't realize it costs what it costs until a parent or sibling needs it. At that point, the plan either holds or it doesn't. Kerry Morris and Tim Henderson build plans that account for this before it happens, so a healthcare event becomes something to navigate rather than something that derails everything.
A Legacy That Never Reaches the People You Love
You can do exceptional investment planning and still leave your family with a mess. Fifty to eighty percent of trusts are never funded. Estates end up in probate. Assets that were supposed to transfer cleanly get tied up in a process that costs time, money, and stress. Estate planning isn't just about having documents. It's about making sure those documents actually do what you intended.
The Retirement Stress-Test Framework™
Four critical areas to review if you want greater clarity, coordination, and confidence in retirement.
At Assurance Financial Partners, we know many people enter retirement with important questions about income, taxes, growth, protection, and legacy. Often, what seems like one concern is connected to several other parts of the plan. The four areas below highlight some of the most common places where thoughtful planning can help reduce uncertainty and strengthen your overall strategy.
Filling the Income Gap
When the paycheck stops, something has to replace it. Kerry and Tim help clients build guaranteed income streams that show up every month regardless of what the market is doing. The goal is a floor of income that covers everything that has to be covered, so the rest of the portfolio can breathe.
Social Security Optimization
When you claim Social Security and how you claim it can mean a six-figure difference over your lifetime. Assurance FP analyzes your specific situation and builds a claiming strategy that maximizes what you've earned.
Surviving Spouse Protection
What happens to income when one spouse dies? Most couples don't realize how dramatically their income changes in that moment, and how much their tax situation changes at the same time. This is what Kerry calls the widow's penalty, and planning for it is one of the most important things a couple can do before it becomes relevant.
Roth Conversion Planning
The window for strategic Roth conversions is open right now, and it won't stay open forever. Kerry Morris and Tim Henderson help clients identify how much to convert, when to convert it, and how to sequence those conversions over a multi-year window so the tax hit is managed instead of maximized.
Keeping More of What You've Earned
High earners are often the biggest overpayers, not because they're careless, but because nobody has shown them the legal strategies available to them. Assurance FP looks at income, retirement account distributions, and asset structure together to find where taxes can be reduced without taking on unnecessary risk.
Tax-Efficient Legacy Transfer
The way assets pass to the next generation has enormous tax implications. Planning that transfer properly, using the right tools in the right order, is how families keep their wealth intact across generations instead of watching it get carved up by the IRS and the probate process.
Risk Tolerance Versus Portfolio Capacity
There's a difference between how much risk you feel comfortable taking and how much risk your financial situation can actually absorb. Kerry and Tim help clients reconcile those two things. Somebody who loves stocks and has always been aggressive might need to recalibrate significantly when they stop receiving a paycheck. Getting this right protects everything else.
Protecting Against Market Volatility
Assurance FP builds plans that can survive a bad sequence of returns at the beginning of retirement. Losing a significant portion of a portfolio right when income withdrawals begin is one of the most damaging things that can happen to a retirement plan. Structuring assets to absorb that risk is built into every plan from the start.
Long-Term Care Planning
Healthcare is one of the biggest financial risks in retirement, and one of the most consistently underplanned for. Seventy percent of your lifetime medical expenses will happen in the last eighteen months of your life. Kerry and Tim build plans that account for this specifically, not as a footnote but as a foundational element.
From Probate World to Private World
Most families go through probate when someone dies because nobody set up the right structure ahead of time. Assurance FP moves clients from a probate-dependent situation to a private, family-controlled transfer process. That means when something happens, the family handles it directly, without court involvement, public record, or unnecessary cost.
White Glove Implementation
Having great estate documents means nothing if they sit in a drawer unfunded and unimplemented. Kerry and Tim stay with clients through the entire process to make sure the plan gets done, the trust gets funded, and nothing falls through the cracks. Fifty to eighty percent of trusts are never funded. Assurance FP makes sure theirs are.
The Shield Over Everything
Estate planning is not just about what happens when you die. It's the coordination and control layer that connects income planning, tax strategy, and growth protection into a unified plan. Without it, even exceptional work in the other three areas can fail to reach the people and purposes it was intended for.
3 Steps to a Plan You Can Actually Count On.
The Discovery Call
You think something is missing. That's enough to start. The discovery call is a chance to say what's keeping you up at night and have someone actually listen. No agenda. No checkbook required. Just a conversation to figure out whether there's a real problem worth solving together.
Build the Full Picture
The wisest advisor in the world can't build a good plan without all the facts. Kerry Morris and Tim Henderson take the time to understand every dimension of a client's financial life before recommending anything. Once the full picture is clear, what's missing becomes obvious.
Implement and Stay With You
Once the plan is built, the work doesn't stop. We stay with every client through implementation and beyond, with annual reviews, ongoing availability, and the kind of responsiveness most people stopped expecting from their financial advisor a long time ago.
Common Questions
A few of the questions people ask before their first conversation.
What happens on the first call?
It's a conversation about what's on your mind, whether that's income, taxes, Social Security or a feeling that something in your plan is missing. There's no agenda and no checkbook required. The point is to figure out together whether there's a real problem worth solving.
Start the conversation →What happens after the plan is in place?
The work continues. Kerry and Tim stay with you through implementation, meet with you for annual reviews and are available when something changes or a question comes up. When you call, you hear back.
What is the Retirement Stress‑Test Framework™?
It's how Assurance Financial Partners reviews a retirement plan, looking at four areas together: income, taxes, growth and protection, and estate planning. A decision in one area usually affects the others. Social Security decisions affect income, and IRA withdrawals affect taxes, so each piece is reviewed with the rest in view.
Read about the four areas →Should everyone delay Social Security?
No. The right time to claim depends on your income needs, taxes, health and what your spouse would receive as a survivor. Your claiming age is one decision inside a larger plan, so it's best reviewed alongside everything else before you file.