Independent, fiduciary retirement-income planning — serving Birmingham and Oakland County, MI. Book a free Retirement Check-Up with Dan Casey, in person or on Zoom.
Birmingham runs on a different retirement clock than most Michigan cities. The downtown is dense with professionals who own businesses, partnerships, and professional practices — law, medicine, real estate, boutique consulting. That means a lot of our Birmingham clients are planning around retirement as a <em>transition</em>, not an event: selling a business, winding down a partnership stake, or converting equity into a reliable income stream over 3–5 years rather than overnight.
Our Birmingham clients live throughout the 48009 and 48025 zips — downtown condos, historic Quarton Lake homes, Westchester Village, Poppleton Park. The shared profile is concentration: a single professional practice, a single commercial property, or a single operating business that accounts for 40–60% of total net worth. Retirement planning here is mostly about derisking that concentration without tripping over a large unrealized gain.
If you're planning to sell a Birmingham professional practice or closely-held business into retirement, the installment-sale rules, QSBS (qualified small business stock) exclusion, and charitable-remainder-trust strategies can save six or seven figures in federal tax — but the election windows are tight and mostly irrevocable. We coordinate with your attorney and CPA so the structure is right the first time.
Every plan is written, not pitched. We start with a 30–60 minute discovery conversation — no product talk, no pressure, no cost. From there, if we're a mutual fit, we build a comprehensive plan covering guaranteed-income design, tax-efficient withdrawals, Social Security filing strategy, Medicare, long-term-care exposure, and legacy planning. Every piece is optional. You implement only what you agree with, and we review it all free, every year, for life.
Our primary office is in Bloomfield Hills, roughly 15–25 minutes from most Birmingham neighborhoods. You can also meet us:
National press — local client base
I have been working with Dan Casey of Panic Proof Retirement for quite a few years now. 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 to talk to me and answer all my questions. Thank you, Dan!
Dan was very easy to work with in helping us plan for retirement. We discussed all our options and now feel much more confident for the upcoming retirement years knowing that the money will be there when we need it. We developed a plan that will provide a steady stream of income so we can continue living as we are accustomed to.
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. He has a great sense of humor. It is a joy to work with him.
Book a free Retirement Check-Up and walk away with a clear picture of where you stand — in person, on Zoom, or over the phone. Whichever works for you.
