Independent, fiduciary retirement-income planning — serving Rochester Hills and Oakland County, MI. Book a free Retirement Check-Up with Dan Casey, in person or on Zoom.
Rochester Hills is the quieter, larger cousin of downtown Rochester — a mix of long-tenure engineers, physicians tied to the Beaumont/Corewell system, Oakland University faculty, and successful small-business owners. The common thread is patience: people who saved steadily for 30 years, rarely chased hot stocks, and now want a plan that's equally boring and reliable on the way out. That's our sweet spot.
Most of our Rochester Hills clients live in the 48306 and 48309 zips, often in neighborhoods around Stoney Creek, Paint Creek Trail, or the Meadowbrook Hall area. Many are dual-income households where both spouses have meaningful 401(k)s, which makes the Social Security filing coordination and Roth-conversion sequencing the highest-leverage planning decisions.
When both spouses have balances north of $500,000 each, the future RMD tax bill is the problem most Rochester Hills households don't see until it's six years away. Running Roth conversions in the five-year window between last paycheck and required distributions is often worth more in lifetime tax savings than any investment decision on the table.
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 Rochester 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.
