Growth and protection, under one roof
Most retirees end up with two advisors who don't talk to each other: one who manages the portfolio and one who sells the annuity. Panic Proof Retirement™ was built to be both. We manage investment portfolios in the stock market for growth, and we use fixed index annuities and other insurance products for guaranteed income. Then we sit on the same side of the table as you and decide how much of your money belongs on each side.
That balance is the whole philosophy. Money you'll spend in the next several years is protected. Money you won't touch for a decade stays invested and keeps working. Taxes, fees and risk are pulled out of both.
Who we are
We're a privately held, fiduciary firm headquartered on Woodward Avenue in Bloomfield Hills. Investment advisory services are offered through Bridgeriver Advisors LLC, a registered investment adviser; insurance products through licensed insurance professionals. Our advisors have protected families' retirement income for more than twenty years and through multiple market corrections, and we're growing the team now so every client keeps a dedicated advisor for the long run.
Our founder, Dan Casey, is a best-selling author and TEDx speaker: his TEDxWilmington talk, The Retirement Remedy: The Plan to Make Your Nest Egg Last, lays out the plan for building a retirement portfolio the IRS can't reach. It's the thinking behind every plan we write.
- Investment management. Managed portfolios of stocks, ETFs and bonds, built around your timeline and tax picture, with advisory fees shown in dollars.
- Guaranteed income. Our trademarked IncomeMAX™ strategy adds lifetime income you can't outlive, income doublers for long-term care, and annual resets that lock in gains.
- Tax planning. Roth conversion timing, required-distribution planning, Social Security strategy, and Medicare surcharge management.
- Fiduciary advice. Legally bound to recommend what's best for you, not what pays best. Every fee and every commission is disclosed before you decide.
How we work with you
It starts with a free 15-minute check-up, in our office, on Zoom, by phone, or on your own television through our patent-pending Advisor in a Box. Before you become a client you receive a complete written plan: investments, guaranteed income, taxes, fees, Social Security timing, Medicare and long-term care, in plain English. Then we meet every year to keep it that way.
We're 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, our TV show aired on CNBC and Fox Business, and our founder has been quoted in Forbes and The Wall Street Journal.