For most Americans Social Security plays a key role in the retirement income plan. But not everyone takes a strategic approach to "turning on" Social Security. We include Social Security planning as part of our Panorama Process of financial planning. 

The Social Security chapter of Winning at Retirement has been lauded as one of the clearest guides to this complex subject.  Click below to access the entire chapter.

What is important to you and your family?

Our approach is designed to organize and simplify your complex financial situation, freeing you to focus on what matters most. 

Click below to learn more about our well-defined process, including our fee schedule.  

Happiness is the goal... we have a plan for that.

As they approach age 65, most Americans need to choose a Medicare plan among a dizzying array of choices. Click below to view the Medicare Chapter of Winning at Retirement. You will find a detailed overview of the topic, including advice on making the right choice for your preferences and needs. 

Lincoln merica and The Diane Richard Team partner with outside specialists who can give you personalized advice on the subject.