--- title: Retirement & Business Owner Financial Services | Four C Financial description: Specialized financial services for retirees, pre-retirees, and business owners. Retirement planning, investment consulting, tax strategies, and more. image: https://www.fourcfinancial.com/hubfs/FourC%20Brochure.jpg --- - [Home](https://www.fourcfinancial.com) - [About Us](https://www.fourcfinancial.com/about-us) - [Services](https://www.fourcfinancial.com/services) - Income Planning - [Retirement Income Planning Guide](https://www.fourcfinancial.com/retirement-income-guide) - [Retirement Income Estimator](https://www.fourcfinancial.com/retirement-income-estimator) - [Lifetime Income Model™](https://www.fourcfinancial.com/bucket-strategy) - [Income Strategy Calculator](https://www.fourcfinancial.com/ourprocess#fourc-calc-section) - [How It Works](https://www.fourcfinancial.com/ourprocess) - [Business Exit Planning](https://www.fourcfinancial.com/business-owner-exit) - [Market Insights](https://www.fourcfinancial.com/market-knowledge) - [Contact](https://www.fourcfinancial.com/contact) # Retire With Confidence. Exit With a Plan. Everything You Need in One Place. ## Financial Services Tailored to Where You Are in Life Whether you're approaching retirement, living in it, or building a business — we have a strategy designed for you. ### Retirement Income Planning We build personalized income plans designed to generate reliable monthly income throughout every stage of retirement — coordinating Social Security, RMDs, and the Lifetime Income Model™. ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Retirement Income Planning Design a personalized income plan using the Lifetime Income Model™ Coordinate Social Security timing, RMDs, and healthcare cost planning Build predictable, sustainable monthly income for every stage of retirement More ### Lifetime Income Model™ Our signature planning framework divides your assets into 5 time-based buckets — from immediate cash needs to long-term legacy — so each dollar has a job and your income never runs dry. ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Lifetime Income Model™ Organize your assets across 5 time horizons — from cash now to legacy later Each bucket has a specific purpose, investment approach, and timeline As buckets are spent, we systematically refill them to keep your income on track More ### Business Owner Exit Planning We help business owners maximize what they've built — structuring a tax-efficient sale and converting proceeds into lifetime income. We'll work alongside your existing M&A attorney and CPA, or connect you with our team of trusted resources. ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Business Owner Exit Planning Structure your sale to minimize taxes before you sign Convert proceeds into a lifetime income plan using the Lifetime Income Model™ Work alongside your M&A attorney and CPA throughout the entire exit process More ### Complimentary Estate Planning Tools Through our partnership with Trust&Will.com, clients receive complimentary access to living trusts, wills, and healthcare directives — protecting your legacy at no additional cost. ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Complimentary Estate Planning Tools Access complimentary trust, will, and estate documents through our Trust & Will partnership Create or update living trusts, wills, and healthcare directives at no additional cost Protect your legacy and ensure your wishes are carried out with confidence More ### Tax Planning & Tax-Smart Strategies We take a proactive approach to reducing your lifetime tax burden — using withdrawal sequencing, Roth conversions, and tax-loss harvesting, backed by semi-annual tax planning reviews. ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Tax Planning & Tax-Smart Strategies Implement tax-smart withdrawal sequencing to reduce lifetime tax burden Take advantage of Roth conversion strategies and tax-loss harvesting opportunities Receive semi-annual tax summaries with proactive planning recommendations More ### Generational wealth transfer We help you build a thoughtful legacy plan — coordinating beneficiary designations, titling, and charitable giving strategies to preserve and transfer your wealth to the people and causes you care about. ![](https://f.hubspotusercontent40.net/hubfs/8046892/times-light-rev.svg) ## Generational wealth transfer Develop a structured estate transfer plan designed to protect your heirs Coordinate beneficiary designations, titling, and charitable giving strategies Preserve your legacy with a plan that reflects your values and goals More Previous Next ![TIFIN-Risk-Logo-Color-1](https://www.fourcfinancial.com/hs-fs/hubfs/TIFIN-Risk-Logo-Color-1.png?width=288&height=84&name=TIFIN-Risk-Logo-Color-1.png) Many investors are placed into **portfolios** that don’t accurately reflect their risk tolerance. Four C Financial has partnered with TIFIN Risk to help us better align with our clients on appropriate risk profiles and investment strategies. TIFIN takes a holistic, multi-scoring approach to assess our clients’ risk preferences, risk capacity, and relevant life details to help position them for suitable investment portfolios.   [Learn More](https://www.fourcfinancial.com/hubfs/How%20TIFIN%20Risk%20Works%20For%20Your%20Clients.pdf?utm_referrer=https://www.fourcfinancial.com/services)[Try it out](https://stc-grow-dot-tifin-grow.uc.r.appspot.com/public-assessment?tempToken=Dvg-_QHlNRQ4wtc0k76Dh?utm_referrer=https%3A%2F%2Fwww.fourcfinancial.com%2Fservices)   ![Asset-Map-LOGO-RGB](https://www.fourcfinancial.com/hs-fs/hubfs/Asset-Map-LOGO-RGB.jpg?width=200&height=66&name=Asset-Map-LOGO-RGB.jpg) One of the most important aspects of our client process is making sure that we understand our clients. Helping both of us see the big picture is essential to our ongoing communication and guidance. We build a custom Asset-Map Report for all of our clients’ households and use it throughout our interactions to make sense of priorities and intentions as well as gaps and areas of improvement. [Learn more](https://www.fourcfinancial.com/hubfs/Asset-Map%20Flyer%202022%20For%20Website.pdf?utm_referrer=https://www.fourcfinancial.com/services) [![55ip logo](https://www.fourcfinancial.com/hs-fs/hubfs/55ip%20logo.png?width=138&name=55ip%20logo.png)](https://www.55-ip.com/) [55ip](https://www.55-ip.com/)\* is a financial technology company whose purpose is to break down barriers to financial progress, and by that we mean taxes. We use 55ip’s tax-smart investment strategy engine to help drive better outcomes for clients through: • **Tax-smart transitions** that break down the tax barrier often standing in the way of transitioning a portfolio. • **Tax-smart management** puts automated, ongoing tax-loss harvesting to work to seek better after-tax outcomes. • **Tax-smart withdrawals** meet liquidity needs while keeping investment strategies on track. Through our partnership with 55ip, Four C Financial can work with you to review your portfolio and determine whether tax-smart investment management may benefit your long-term wealth creation goals. [Learn more](https://www.fourcfinancial.com/hubfs/55iP%20branded%20Download%201%20-combined.pdf?utm_referrer=https://www.fourcfinancial.com/services)   \* Four C Financial is not affiliated with 55ip ![BlackRock logo](https://www.fourcfinancial.com/hs-fs/hubfs/Screen%20Shot%202022-01-28%20at%207.58.28%20AM.png?width=213&name=Screen%20Shot%202022-01-28%20at%207.58.28%20AM.png) Four C Financial utilizes many investment managers to help achieve our client’s ideal asset allocation. One manager we work closely with on behalf of our clients is BlackRock. Using a consultative approach, we can build custom portfolios based on your specific goals and can help manage your portfolio in seeking to meet your evolving investment needs. [Learn more](https://www.fourcfinancial.com/hubfs/BlackRock%20Download.pdf?utm_referrer=https://www.fourcfinancial.com/services) ![white logo 4c](https://www.fourcfinancial.com/hs-fs/hubfs/white%20logo%204c.png?width=200&name=white%20logo%204c.png) Copyright © 2026 Four C Financial. All rights reserved.  #### LEGAL [Form ADV](https://www.fourcfinancial.com/form-adv) **[Form CRS – ADV Part 3](https://www.laurelwa.com/s/Laurel-Wealth-Advisors-Form-CRS-ADV-Part-3-01-01-21.pdf)[Privacy Policy](https://www.fourcfinancial.com/privacy)[**Business Continuity Plan**](https://static1.squarespace.com/static/561689c7e4b0f884c2978d37/t/5ce82317f9619a3f9b8772bf/1558717208430/LWA+Business+Continuity+Plan.pdf)[Important Disclosures and Disclaimers](https://www.fourcfinancial.com/important-disclosures-and-disclaimers)** Investing involves risk, including the loss of principal #### LOCATIONS Palm Desert, CA  |  Austin, TX  |  Clinton, WA [info@fourcfinancial.com](mailto:info@fourcfinancial.com) [760.491.1499](tel:7604911499) #### FOLLOW Investment advice offered through Integrated Partners, doing business as Four C Financial, a registered investment advisor.  The information on this website has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. 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