James "Jim" Underwood is a financial strategist and a retirement planning specialist. For over 33 years, he has used his vast experience, knowledge, and resources to help people avoid the uncertainties and worries that come from being unprepared for retirement. This is not only what he does, but it is his personal passion to help people build and execute a plan for a safe and secure retirement. 

Jim firmly believes that most of the population has done what the conventional financial wisdom of the last half century has advised. The problem is that advice is decades out of date. It was designed for a pension-based retirement where income was guaranteed, and savings acted mainly as a back-up. What prevails today is asset-based, such as savings in 401k’s and IRA’s where income needs to be created from savings.  

That gives life to several risks and uncertainties that used to not be there. Now you’re having to liquidate these accounts while trying not to deplete them, and all the while things such as taxes and market volatility can ravage those accounts.  It requires planning that is based on current conditions. It’s impossible to know ahead of time what will happen in the market when you retire.  Planning for retirement is very different thing than planning at retirement.  The only thing that is certain is that using outdated strategies can and will devastate an individual’s plans for retirement. 
 

Most financial professionals seem to focus their efforts on the accumulation phase with little thought to the distribution phase. Jim's focus is helping people in both. Regardless of what age you want to retire, Jim can help you create a reliable income from the money you’ve saved, while at the same time make sure that your funds are still accumulating and can be restored. Together he can help you optimize your assets while mitigating threats that can drain them such as taxes, inflation, and market volatility so you don’t have to worry and can just enjoy retirement. 

​

Jim resides in South Florida but serves clients on a nationwide basis.