Your complete retirement analysis
Retirement Planning
Social Security replaces about 40% of pre-retirement income. Most people need 70-80%. We close that gap with a plan built around your numbers.
Income You Can Count On, Month After Month
Social Security replaces about 40 percent of pre-retirement income. Most people need 70 to 80 percent to maintain their lifestyle. Retirement planning at RJP closes that gap with a plan built around your actual numbers, not industry averages. We map your income sources, your expenses, your Social Security claiming options, and your timeline, and we build a year-by-year picture of what your retirement actually looks like.
Retirement planning is not about hitting a savings target. It is about knowing, month by month, that your income will cover your life.
Where the Real Decisions Get Made
Most of the value in a retirement plan comes from a handful of high-leverage choices. We walk you through each one with the numbers in front of you.
- Social Security claiming, coordinating spousal and survivor benefits across two records to maximize lifetime income
- Withdrawal sequencing, choosing which accounts to draw from first to control taxes and preserve growth
- Roth conversion strategy, using lower-income years to shift assets into tax-free accounts
- Healthcare bridge planning, covering the gap between early retirement and Medicare eligibility
- Estate plan coordination, aligning beneficiary designations and account titling with your trust
Why It Matters
The difference between claiming Social Security at 62 and waiting until 70 can exceed 75 percent in monthly benefits. The difference between a sequenced withdrawal plan and an ad hoc one can extend portfolio life by a decade. These are not minor adjustments. They are the difference between running out of money and never having to worry about it.
Retirement planning is not about a savings target. It is about knowing, month by month, that your income will cover your life.
Where Planning Matters Most
These are the moments when a clear retirement plan changes everything.
- Deciding When to Retire. Knowing your exact income gap tells you whether you can retire at 62, need to wait until 67, or are already ready.
- Navigating a Career Change. A job loss or voluntary change after 55 requires fast, informed decisions about benefits and savings.
- Coordinating Spousal Benefits. Two Social Security records, two retirement accounts, and one household budget require a coordinated claiming strategy.
- Planning Around Healthcare. The gap between early retirement and Medicare eligibility at 65 is one of the most expensive planning challenges.
Meet Your Advisors
Decades of Credentialed, Fiduciary Experience
The wealth and retirement work happens with the people below. Each one carries the licensing, registrations, and continuing education behind every recommendation we make.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Retirement Planning Questions
Answers to the questions Arizona families ask most about retirement planning.