Retirement should be something you look forward to, not something that keeps you up at night. But if you’re like most people, it’s hard to know when you’ll be ready - or if you’re even on the right track. You’re not alone - and Focal Point Financial Services is here to solve those worries. Did you know 68% of Americans fear they won’t have enough to retire comfortably, while 1 in 3 lack confidence in their retirement plans.
At Focal Point Financial Services, we make retirement planning feel doable. No spreadsheets required. We help you understand what retirement really means for you: how much you’ll need, when to retire, and how to make sure your income lasts. Whether you’re years away from full retirement age or just about ready to pack up your office, we help you create a plan you can trust. With over 30 years of combined experience, our advisors have helped hundreds of clients in White Bear Lake, Minneapolis, St Paul, Minnetonka and Denver turn uncertainty into confidence.
Services
Financial Planning
Retirement Planning
Estate Planning
Employer Solutions
Tax Reduction Planning
Insurance
Why Retirement Planning Matters
Retirement planning goes beyond simply putting money aside. It’s about building a strategy to ensure your retirement savings support your desired lifestyle. This includes managing income streams like Social Security, optimizing your investment portfolio, and planning for expenses such as healthcare and taxes.
Preparing for the future involves more than just your 401k—it’s only one piece of the puzzle.
At Focal Point Financial Services, we take a comprehensive approach to retirement planning in White Bear Lake, helping you address these key areas so you can enjoy your retirement years worry-free.
Retirement Planning That Goes Beyond Your 401(k)
Your 401(k) is a good start—but it’s only one piece of the puzzle. A complete retirement plan connects all the dots:
- Retirement accounts (401(k), IRAs, pensions)
- Social Security benefits and when to claim them
- Healthcare costs, Medicare, and insurance options
- Investments, risk, and asset allocation
- Day-to-day income streams and spending needs
Our financial advisors help you look at your full financial picture so you can make informed decisions about when and how to retire. It’s not just about saving—it’s about turning your savings into income, minimizing risk, and protecting your lifestyle.
Built Around Your Goals, Not Someone Else’s Formula
No two retirements look alike. Some clients want to travel, some want to downsize, and some just want to help their kids and spend more time with grandkids. Your priorities shape your plan. We can help:
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Estimate your retirement age and what lifestyle you can support
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Identify ideal withdrawal strategies and account timing
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Create predictable income streams from your investments
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Decide when to take Social Security for the biggest benefit
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Plan for healthcare expenses, including long-term care options
The goal isn’t to follow a template. It’s to help you retire on your terms, with confidence.
We’re With You Through Every Transition
Retirement is full of transitions—some exciting, some complex. From moving your 401(k) into an IRA to getting Medicare squared away, it’s easy to feel overwhelmed. That’s where we come in.
Our team includes expert financial planners and a dedicated Health Insurance Advisor who can guide you through:
- Medicare enrollment (and which plan makes the most sense for you)
- How to handle insurance gaps between retirement and Medicare eligibility
- Coordinating benefits from former employers or government programs
- Reviewing your investments to fit your new retirement lifestyle
It’s not just about making a plan. It’s about having someone who knows how to put that plan into action.
Expert Tips for Retirement Success:
Our experienced advisors at Focal Point Financial Services share their top insights to help you achieve your retirement goals:
Start Saving Early
"Even $50 a month can grow into tens of thousands over decades with compound interest."
— Jason Hedstrand, Founder and Financial Advisor
Diversify Your Investments
"Spread your investments across asset classes. Diversification reduces risk without sacrificing growth."
— Char Pendergrass, Client Service Manager
Review Your Plan Annually
"A small tweak today can add years to your financial security."
— Becky Horton, Assistant
Take Action Now
"Every year you delay can cost you thousands in lost growth."
— Carly Schoon, Assistant
Our Retirement Planning Services
We offer a full range of services to meet your retirement needs, tailored to your specific priorities:
- 401(k), IRA, and pension review and rollover guidance
- Tax-efficient income strategies for retirement
- Social Security optimization, including spousal benefits
- Long-term care and insurance coverage options
- Legacy and estate coordination if needed
Serving clients in White Bear Lake, Minneapolis, St. Paul, Minnetonka and Denver, our retirement planning expertise is local and personalized, addressing the unique needs of each community we serve.
Why Choose Focal Point Financial Services?
Our focus is on you—your goals, your concerns, and your future. We’re here to help you achieve the retirement you’ve always dreamed of.
When searching for a fiduciary retirement planner near me, trust Focal Point Financial Services to deliver exceptional care.
- Local Expertise: With offices in White Bear Lake and Denver, we understand the financial landscapes of these areas, including Retirement Planning in Minneapolis and beyond.
- Fiduciary Commitment: As fiduciaries, we’re legally bound to act in your best interest, offering unbiased advice you can rely on.
- Top-Tier Advisors: Our team includes experienced retirement financial advisors in St. Paul with diverse professional backgrounds. We know how wealth planning works and can guide you confidently into retirement.
Our Planning Process
Planning your financial future doesn’t have to be a mystery. We keep things simple, clear, and focused on what really matters: you and your goals. Here’s how we move from "where do I start?" to "I’ve got a plan."
Start with a free consultation
A free intro meeting to understand your goals, priorities, and concerns.
We review your accounts and timeline
We look at your income, savings, debts, and family needs.
We create a custom plan for you
A clear plan that fits your life and adapts when life changes.
You decide what to implement
We help implement your plan––from investments to insurance.
We stay with you
Because your plan should grow as your life does.
Let’s Talk About Your Future
If you’re thinking about retirement—even just casually—it’s time to start planning. The earlier we talk, the more we can do to help you save, protect your income, and retire with fewer surprises. We offer retirement planning for clients across Minnesota and Colorado, including White Bear Lake, Minnetonka, Minneapolis, St. Paul, and Denver.
Call us at (651) 426-7375 or contact us through the form below. We offer in-person meetings at our White Bear Lake and Denver offices or virtual consultations via Zoom. Nearly 9 in 10 retirees say having a formal retirement plan gives them greater peace of mind.
Let’s build yours.
