Get the income, growth, and protection that you deserve in retirement.

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.

Retirement Income & Planning

Turning assets into sustainable income.

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.

Tax Strategy

Keeping more of what you've earned.

Growth and Protection

Balancing opportunity with protection.

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.

Estate Planning

Creating clarity for the people you love.