Independent, fiduciary retirement-income planning — serving Farmington Hills and Oakland County, MI. Book a free Retirement Check-Up with Dan Casey, in person or on Zoom.
Farmington Hills has long been a corporate home for companies like Bosch, Nissan's North American R&D, and a wide range of mid-market employers in technology, pharmaceuticals, and professional services. Our Farmington Hills clients typically have stable, 20+ year careers at one or two employers — less job-hopping than Royal Oak, less executive compensation complexity than Birmingham — which usually means a cleaner planning picture and a higher willingness to implement a plan quickly once it's written.
Farmington Hills is geographically large, and our clients span every zip. The 48334 and 48331 clusters skew toward larger lot sizes and higher-income retirees; 48336 leans younger family household. Across the city, the common planning thread is a combination of 401(k), IRA, and (often) a small taxable account that's been invested conservatively for years and needs to be repositioned for the distribution phase.
Households with long-tenure single-employer stock positions (common among Farmington Hills retirees at places like Bosch) should evaluate NUA treatment carefully before rolling to an IRA. In the right circumstances, transferring employer stock out of the plan and paying long-term capital gains rates (rather than ordinary income) can save tens of thousands. Most retirees never hear the word 'NUA' until it's too late.
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 Farmington Hills 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.
