Retirement Is Different Than Saving — and the Rules Change

Most people spend decades focused on accumulation—how much they save and how their accounts perform.

The challenge in retirement isn’t growth alone; it’s how income is generated, taxed, and sustained over time.

Market volatility, rising tax uncertainty, and longer life expectancy can significantly impact retirement outcomes—especially in the final years before retirement.

How I Support Clients Approaching Retirement

• Retirement income planning and distribution strategy

• Tax-efficient income awareness and planning education

• Managing market and longevity risk near retirement

• Transitioning from accumulation to sustainable income

• Ongoing reviews and coordination with your CPA

An Education-First, Planning-Focused Approach

I take an education-first approach to retirement planning.

My role is not to sell products or replace your CPA or attorney. Instead, I help clients understand how retirement income works, identify potential risks, and coordinate appropriate strategies with their existing professionals.

Every recommendation is guided by suitability, transparency, and long-term planning.

Meet MICHAEL OJO

Michael Ojo is a licensed insurance professional and retirement income educator who helps professionals and business owners approach retirement with clarity and confidence.

His work focuses on retirement income planning, tax awareness, and managing risk during the transition from accumulation to income.

START WITH EDUCATION

Whether you’re just beginning to think about retirement or actively planning your transition, education is the first step.