Why Families Work With Us
Helping You Turn Your Retirement Savings
Into Reliable Lifetime Income
Save - Preserve - Generate Income
30+ Years
of Experience
Personalized
Retirement
Strategies
Focus on Income
& Asset
Protection
Serving DFW
& Surrounding Areas
Retirement Income planning for individuals and families approaching or already in retirement.
At HomeTown Financial Partners, we specialize in helping pre-retirees and retirees create clear strategies for retirement income, asset protection, and long-term financial confidence.
Our clients are typically individuals or couples who are:
• Within 10-15 years of retirement
• Already retired and reviewing their strategy
• Rolling over a 401(k) or pension
• Looking for reliable retirement income
• Seeking a long-term advisor relationship
A Coordinated
Retirement Income Strategy
Decumulation planning helps address these challenges by coordinating how and when retirement assets are withdrawn.
Turning Your Savings Into Reliable Retirement Income
Saving for retirement is only part of the journey. Once you retire, the challenge becomes how to turn those savings into dependable income while protecting what you've built.
This phase of retirement planning is called decumulation — the process of strategically withdrawing assets so your retirement savings can support your lifestyle for decades.
The Challenge
of Decumulation
Without a thoughtful withdrawal strategy, retirees can face several risks that may impact their long-term financial security.
Common Retirement Income Risks:
Running Out of Money
Too Soon
Without proper planning, withdrawals can deplete savings faster than expected.
Market Timing Risks
Taking withdrawals during market
downturns can significantly impact
portfolio longevity.
Unnecessary Tax Burdens
Drawing from the wrong accounts at the
wrong time can lead to higher taxes.
Inflation & Longevity Risk
Retirement may last 20-30 years,
and rising costs can erode purchasing
power over time.
If you are approaching retirement or already
retired, now may be the right time to develop a
retirement income strategy designed to help
your savings last.
Our Approach Focuses on Helping Retirees:
Create reliable income streams
Coordinate withdrawals across
multiple accounts
Plan for taxes, RMD's, and Social Security
Protect retirement savings from
unnecessary risk
Maintain financial confidence throughout retirement
Build a Strategy for
the Distribution Phase of Retirement
Retirement planning changes once paychecks stop. Your strategy should shift from growing assets to creating sustainable income.
Retirement Income
Planning
Creating dependable
income designed to support
your lifestyle in retirement.
401(k) & IRA Rollovers
Helping evaluate rollover
options and develop an
appropriate retirement strategy.
Tax-Efficient
Retirement Strategies
Planning withdrawals to help reduce unnecessary taxes.
Long-Term Care
Planning
Preparing for healthcare
costs that may impact
retirement.
Legacy Planning
Helping ensure your financial legacy is passed to the
next generation.
Ongoing Strategy
Reviews
Retirement isn't
"set it and forget it." We
keep your plan aligned as life
changes.
Chris King founded HomeTown Financial Partners to help individuals and families navigate one of the most important transitions in life — retirement.
Since 1995, Chris has worked with pre-retirees and retirees to create strategies designed to protect their life savings and provide dependable income throughout retirement.
Chris believes retirement planning should bring clarity and confidence, allowing clients to focus on enjoying the years they’ve worked hard to reach.
Schedule a Consultation
If you would like to discuss your retirement strategy or have questions about your current financial plan, we welcome the opportunity to speak with you.
“Be sure you know the condition of your flocks, give careful attention to your herds; for riches do not endure forever, and a crown is not secure for all generations.”
Proverbs 27:23-24