Your Money. Your Life.
One Plan That Works for All of It.
We connect all your financial dots — investments, taxes, insurance, Medicare, estate planning — so they actually work together, and you can retire with confidence.
We keep the jargon in check, the explanations clear, and the sales pitch on mute.
Welcome to The Protective Financial Group
At The Protective Financial Group, we believe your financial life should work like a well-orchestrated team, not a game of telephone between disconnected advisors. Modern retirement planning goes far beyond picking investments — it’s about connecting every piece of your financial puzzle, from Social Security and Medicare to tax, estate, and investment strategies, so they work together seamlessly. With a dedicated fiduciary Retirement Planner and a team of specialists who actually talk to each other, we turn confusion into clarity and help you avoid costly gaps before they become landmines.
Whether you’re building wealth, preparing for retirement, or navigating it now, we’ll give you a plan you can understand, trust, and actually use.
The Protective Financial Group is here to help you plan through all your retirement, financial planning, and health insurance worries.
Retire with Confidence:
Personal Retirement Roadmap
"Will my money last? How do I know I won’t have to move in with my kids?
We’ll cut through the guesswork with a plan that locks in income, protects your lifestyle, and keeps you confidently retired.
Investment Management
"What if I can’t take care of myself anymore? Will I drain my savings… or end up in my kids’ guest room?"
We’ll build a plan that locks in income, shields you from ugly market swings, and keeps your retirement paychecks coming — no matter what CNBC is freaking out about this week.
Long Term Care
"What if I can’t take care of myself anymore? Will I drain my savings… or end up in my kids’ guest room?"
We’ll help you set up a plan that keeps your care choices in your hands, your savings intact, and your family out of financial quicksand.
Trusts & Estate Planning
"How do I make sure my spouse is taken care of — but the in-laws aren’t? How do I avoid taxes, probate, and legal circus acts?"
We’ll help you lock in a plan that keeps control in your hands, protects the people you love, and passes on your legacy without drama, confusion, or Uncle Sam taking the first cut.
Medicare Planning
"Do I even need Medicare yet, and how do I pick the right coverage without making a costly mistake?"
We’ll guide you through exactly when to enroll, what coverage to choose, and how to skip the costly mistakes most people don’t see coming.
Taxes in Retirement
"I saved for decades—why is the IRS acting like my new business partner?"
We’ll outsmart the tax traps, time your withdrawals right, and make sure you’re paying the legal minimum—so the biggest slice of your nest egg stays yours.
Testimonials
See What Our Clients Say About Us
"Rich, I can’t thank you enough. Before we met, I honestly thought retirement was just crossing my fingers and hoping the market didn’t crash.
Now I’ve got a paycheck every month I can count on, and I don’t lay awake worrying anymore.“
— Karen M., Florida
March 2025
"I had no clue the IRS could take such a big bite out of my retirement. You showed me how to keep more of my own money, and I can’t believe how much I’m saving.
Rich, I wish I’d found you years ago.“
— Susan T., California
August 2024
“You were a lifesaver. I was lost in all the Medicare letters and plans, and I was terrified of picking the wrong thing. You made it simple, explained it in plain English, and made sure I didn’t spend a dime more than I had to.“
— Bill R., Florida
November 2024
