Independent, fiduciary retirement-income planning — serving Novi and Oakland County, MI. Book a free Retirement Check-Up with Dan Casey, in person or on Zoom.
Novi has one of the fastest-growing affluent corridors in Southeast Michigan — a dense concentration of international corporate offices, R&D centers (ITC Holdings, Harman, Vuzix, and a long list of automotive tech suppliers), and newer-construction executive homes. Our Novi client profile skews technical: engineers, program managers, and senior corporate employees with complex equity compensation — RSUs, ESPP plans, non-qualified stock options, and occasionally a deferred-compensation plan the employer won't let them roll over.
The 48375 and 48377 zips are where most of our Novi clients live — neighborhoods around Twelve Oaks Mall, the Novi Civic Center area, and along Beck Road. Many moved to Novi in the last 10–15 years as their careers advanced, which means a meaningful chunk of home equity is sitting in one property that's appreciated substantially.
If you hold RSUs, ESPP stock, or non-qualified options from a Novi-area tech or automotive employer, the sale sequencing matters. Selling all in one tax year usually triggers AMT, higher Medicare premium (IRMAA), and a higher-than-necessary marginal rate. Spreading sales across 2–4 tax years — and coordinating with Roth conversions — is often worth five figures in avoided tax.
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 Novi 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.
