Independent, fiduciary retirement-income planning — serving Bloomfield Hills and Oakland County, MI. Book a free Retirement Check-Up with Dan Casey, in person or on Zoom.
Bloomfield Hills is one of the highest-income cities in Michigan — and one of the most asset-rich. That mix creates a specific retirement problem: the average Bloomfield Hills retiree has accumulated seven figures in a blend of home equity, a brokerage account, a 401(k) or IRA, possibly a pension, and often a small business. The planning question isn't 'will I run out of money?' It's 'how do I hand this to my family without handing half to the IRS first?'
Our Bloomfield Hills clients cluster in the 48301–48304 zips, many inside neighborhoods like Kirk in the Hills, Wabeek, Echo Valley, and along Lone Pine and Long Lake. If you've owned your home for 20+ years, the embedded capital gain is probably larger than you realize — and it affects how we structure Social Security filing, Roth conversions, and trust funding.
Michigan's 2024 retirement-tax rollback means most Bloomfield Hills retirees will see their IRA and pension withdrawals treated more favorably than under the old tier system. Done right, that unlocks a 3–5 year window to run Roth conversions at meaningfully lower effective rates than retirees in New York or California will ever see.
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 a short drive from most Bloomfield 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.
