“After you leave knowing that you're not going to outlive your money — you're going to feel real good about yourself.”
David Colicott
Chrysler Retiree, Bloomfield Hills, MI
Retirement planning · Bloomfield Hills, Michigan · Clients nationwide
Retire withoutthe panic.
We take the excess taxes, hidden fees, and market risk out of retirement portfolios. Market investments for growth, insurance products for guaranteed income, one written plan that covers both. In our office, on Zoom, or on your own TV.
- 20+
- years protecting retirement income
- A+
- BBB accredited business
- TEDx
- our founder's talk on tax-free retirement
- 50
- states served, by Zoom or Advisor in a Box
Our show aired on
What we remove
Three quiet leaks drainmost retirement portfolios.
Not a crash. Not a scandal. Just taxes, fees, and risk, working against you a little every year. Removing them is the whole job.
01Taxes
The IRS is a silent partner in every IRA and 401(k).
Required distributions, Social Security taxation, and Medicare surcharges compound quietly. We map Roth conversions and tax-efficient withdrawals so more of what you saved stays yours.
- Roth conversion timing
- RMD planning
- Tax-efficient withdrawals
02Fees
Layered fees cost more than most people will ever see on a statement.
Advisory, fund, and platform fees stack for decades. We show you every dollar you're paying today, in dollars, and keep ours transparent.
- Full fee audit
- Transparent pricing
- No surprises
03Risk
One bad year early in retirement can change everything.
The money you'll need in the next few years shouldn't ride the market. We protect it, and keep the rest invested for growth, so a bad year doesn't change your lifestyle.
- Protected income floor
- Growth that stays invested
- Reviewed every year
Both sides of your plan
Growth and protection.One firm handles both.
Most firms do one or the other. We manage market investments for growth and use insurance products for guaranteed income, then decide with you how much belongs on each side.
Growth
Market investments
Stocks, ETFs and managed portfolios for the money that should keep growing. Built around your timeline and tax picture, reviewed with you every year.
- Managed portfolios
- 401(k) & IRA rollovers
- NUA for company stock
- Tax-efficient withdrawals
Investment accounts are managed through Bridgeriver Advisors LLC, a registered investment adviser, and held in custody at Charles Schwab, an independent custodian. Panic Proof Retirement never holds your money.
Protection
Insurance products
Fixed index annuities and guaranteed income for the money you can't afford to lose. A floor of zero in a down year, and income you can't outlive.
- Fixed index annuities
- Guaranteed lifetime income
- Long-term-care income doublers
- Annual reset of gains
Investment advisory services and insurance products are different things with different guarantees. Your written plan spells out which is which, in plain English, before you commit to anything.
How it works
Calm isengineered.
A boutique firm with institutional resources. You get a dedicated advisor who learns your goals, health, family, and lifestyle, and puts your interests first.
- 1
A 15-minute check-up
A short conversation in our office, on Zoom, by phone, or on your TV through Advisor in a Box. We listen: what you've saved, the income you need, and what keeps you up at night. If we can't help, we'll say so.
- 2
Your written Panic Proof plan
Before you become a client, you get a complete plan: investments, guaranteed income, taxes, fees, Social Security timing, Medicare, and long-term care, in plain English.
- 3
Steady income, reviewed every year
Your growth money stays invested and managed. Your income money is protected through our IncomeMAX™ strategy: guaranteed lifetime income, long-term-care doublers, annual resets. Then we meet every year to keep it that way.
Michigan roots. Clients nationwide.
Meet with ushowever you like.
We’re headquartered in Bloomfield Hills and work with clients across the country. Distance has never been the hard part. Getting comfortable with the technology sometimes is, so we solved that too.
Advisor in a Box
Patent pendingOur TV device, mailed to you
Not comfortable with computers? We mail you a small box. Plug it into your TV, press the one button, and your advisor appears on the screen. No apps, no logins, no setup. When you're done, it ships back to us free of charge.
In our office
Bloomfield Hills, MI
Woodward Avenue, easy parking, coffee on. Sit across a table for the first meeting if you prefer.
On Zoom
Anywhere in the country
See the plan built live on screen, and bring your spouse in from another room or another state.
Real clients, in their own words
Proof, notpromises.
Actual clients of Panic Proof Retirement™, recorded in their own words, unscripted. Tap any one to watch.
More client results →“There was no pressure. He was straightforward with everything. Our money has grown — and we've been really pleased having Dan guide us.”
Diana & Lorie Soaper
Rochester Hills, MI
“After working all that time, I just didn't want to make any more decisions. I needed somebody at the top of his game that could watch my money and make sure I didn't lose it. Dan fulfills all those obligations.”
Mark Shama
Retired
“Since working with Panic Proof Retirement, I don't worry about it anymore. I sleep easy at night.”
Michael Biondo
GM Retiree, 37 Years, Detroit, MI
“Since working with Panic Proof Retirement, it made me wish that I would have found them earlier.”
Theo Spight
Retired Auto Worker, Big Three
“My primary consideration was not to lose principal — and that's what I got. Kind of on autopilot now, but I trust them to give me straight answers and to be there whenever I need them.”
Dave Belferman
Business Owner, Multiple 401(k)s Consolidated
Results shown are from actual clients. Individual results vary based on product type, timing, and personal financial situation. Past performance does not guarantee future results.
5.0★★★★★Google reviews
“Being someone who is not that great at understanding finances, it has been very valuable to have him guiding me into feeling comfortable in my financial readiness for retirement. He is always available.”
“We developed a plan that will provide a steady stream of income so we can continue living as we are accustomed to. We now feel much more confident for the upcoming retirement years.”
“Dan is following our agreement completely. We have been working with him for 4 years. He is able to answer all our questions with great skill and guidance.”
“I was referred to Dan by my tax accountant. I find Dan very pleasant, knowledgeable, helpful and trustworthy. I encourage anyone who needs guidance with retirement planning to consult with Dan.”
“My husband and I weren't sure we had enough 401k and savings. But Dan worked his magic and we now have a clear goal with a plan for our retirement.”
The experts agree
Endorsed by the people who study retirement risk for a living.
Your advisors
A team built forthe next twenty years.
Panic Proof Retirement™ has protected families’ retirement income through two decades and multiple market corrections, and we’re growing the advisor team now so every client keeps a dedicated advisor for the long run.
Accredited A+ by the Better Business Bureau. Endorsed by a former Comptroller General of the United States and one of the country’s leading retirement economists.
Fiduciary advice
Legally bound to recommend what's best for you, not what pays best.
A dedicated advisor
One person learns your goals, health, family and lifestyle, and stays with you year after year.
Investments and insurance
Investment advisory services are offered through Bridgeriver Advisors LLC, a registered investment adviser, with client accounts held in custody at Charles Schwab. Insurance products are offered through Panic Proof Retirement's licensed professionals. Both under one roof, and never mixed.
Our show aired on CNBC and Fox Business
The Panic Proof Retirement Show™ aired on CNBC and Fox Business, and our founder has been quoted in Forbes and The Wall Street Journal.
From the TEDx stage
Our founder took tax-free retirement to TEDx.
Founder Dan Casey’s TEDxWilmington talk, The Retirement Remedy: The Plan to Make Your Nest Egg Last, lays out the step-by-step plan for building a retirement portfolio the IRS can’t reach. It’s the same thinking behind every plan we write.
17 minutes · TEDxWilmingtonLive
“The Retirement Remedy: The Plan to Make Your Nest Egg Last”
Dan Casey at TEDxWilmington
Founder, Panic Proof Retirement™ · TEDx speaker · best-selling author
Featured on or quoted by
The questions everyone 55 to 70 asks
Straight answers,no jargon.
These are the ten we hear most in first meetings. Each one gets a real answer in your written plan.
All frequently asked questions →It depends on your health, your spouse's benefit, and what else you can live on in the meantime. Waiting from 62 to 70 raises the check by roughly three-quarters, but only if you have income to bridge those years. We run the numbers both ways in your written plan.
Not ready to talk yet?
Start atyour own pace.
Three free ways to learn how we think before you ever pick up the phone.
Register for the free tax webinar
An hour on the taxes hiding in your IRA and 401(k), the Roth conversion window, and how to keep more of what you saved. Online, from home.
Watch the IRA tax video
A short video on the one rule that catches most retirees off guard, and what to do about it before it's too late.
Get the free Retirement Kit
A printed guide, case studies, planning worksheets, and the book. It goes deeper on the guaranteed-income side; your check-up covers the investment side too.
Local offices for Oakland, Macomb & Wayne counties · clients in all 50 states