Plan Today. Protect Tomorrow. Enjoy Life.
Personal guidance for retirement income, 401(k), IRA, Medicare, life insurance, trusts, and legacy—brought together in one thoughtful plan.
What we help with
Retirement questions rarely arrive one at a time. A decision about Medicare touches your budget; a rollover touches your taxes; a beneficiary form touches your family. Here is where most people start—and how each piece connects to the rest.
Old accounts scattered across former employers rarely behave like one plan. We look at what you hold, how it is invested, and what a rollover would—and would not—accomplish before anything moves.
See how accounts get coordinatedTurning savings into a monthly paycheck is its own skill. We map which accounts to draw from, in what order, and how Social Security timing fits alongside everything else you own.
Build an income pictureEnrollment windows, Advantage plans, supplement options and prescription coverage explained in plain language—then reviewed each year to see whether your plan still fits your health and your budget.
Understand your Medicare optionsCoverage sized to the people who depend on you—term, permanent, or a combination—and revisited as income, debts, health and family responsibilities change over the years.
Review your coverageBeneficiary designations, account titling and trust coordination so what you have built passes the way you intend—working alongside your attorney and tax professional, not around them.
Plan what you leave behindMost first conversations begin with one question and end up covering three. Bring whichever one is on your mind.
Retirement income
Income planning starts with real numbers rather than a percentage rule. We separate the spending that has to happen from the spending you would like to happen, then look at which accounts can reasonably fund which years.
From there the conversation gets specific: how a downturn in the first few years of withdrawals changes the math, what a pension or annuity option would and would not cover, and how claiming Social Security earlier or later shifts the rest of the plan.
No projection can promise a result. The purpose is to understand the trade-offs clearly before you commit to any of them.
Talk through your income plan
Retirement Solutions is a private business. We are not affiliated with, endorsed by, or acting on behalf of Medicare, the Centers for Medicare & Medicaid Services, or any other government agency.
Protection & legacy
Assets, coverage and legacy tend to be treated as separate errands. They are not. Each one changes what the other two need to do.
Is everything you own actually pulling in the same direction? We inventory accounts, look at how they are invested relative to the years you will need them, and identify overlap, gaps and costs that are easy to miss when statements arrive separately.
Coverage bought fifteen years ago was sized for a life you may no longer be living. We start from who depends on you now and what would need to be paid for, then look at whether term, permanent coverage, or a combination fits that answer.
Wills and trusts get the attention, but beneficiary forms and account titling often decide what actually happens. We make sure the paperwork on your accounts agrees with the documents your attorney prepared.
Personal guidance
Greg Cates is a Retirement & Insurance Specialist serving clients across Texas. He works with people approaching retirement and those already in it, on the decisions that tend to arrive together: income, Medicare, protection and what gets passed on.
Conversations start with your story rather than a product. What the work looked like. Who is counting on you. What you would like the next twenty years to feel like, and what would worry you if it went differently. The numbers matter, but they come second, because the numbers only mean something once the priorities are clear.
From there the process is deliberately unhurried. Options get explained in plain language, including the parts that do not favour a recommendation. You are never asked to decide something in the same meeting you first hear about it.
How it works
Same four steps every time, whether you arrive with one question or a folder of statements.
A conversation about your work, your family, your health and what you want retirement to look like. No documents required for the first meeting.
We gather what you already have—accounts, coverage, pensions, beneficiary forms—and lay it out in one place so the gaps and overlaps become visible.
Choices explained in plain language, with the trade-offs stated as clearly as the benefits. You take the time you need; nothing is decided under pressure.
Health changes, tax rules change, Medicare plans change annually. We check in on a regular schedule so the plan keeps matching your life.
Educational insight
If a plan cannot answer these five, it is a collection of accounts rather than a plan. None of them require a spreadsheet to start thinking about.
Talk these through with GregWhen will income start, and which account does the first dollar come from?
What happens to the household budget if one spouse passes away first?
Is this year's Medicare coverage still the right fit for this year's prescriptions?
If something happened tomorrow, would your family know where everything is and who to call?
Do your beneficiary forms actually match what your will or trust says?
Get started
Call Greg directly, send an email, or use the form and he will follow up to arrange a time.
