Independent, fiduciary retirement-income planning — serving Troy and Oakland County, MI. Book a free Retirement Check-Up with Dan Casey, in person or on Zoom.
Troy is the corporate spine of Oakland County — Beaumont Health, Flagstar, Kelly Services, Altair, and a long list of Tier-1 automotive suppliers are headquartered or anchored here. That shows up in our client base: a lot of pre-retirees in their late 50s and early 60s with large 401(k) balances, restricted stock, and deferred-comp plans that need to be unwound in a specific order to avoid a tax shock.
Most of our Troy clients live in the 48084, 48085, and 48098 zips — often in neighborhoods near Somerset, the Troy Sports Center, or the Beaumont campus. The common thread is the compensation structure of the last 10 years of their career, which usually has more moving parts than a single IRA rollover can fix.
Retiring out of a Michigan corporate 401(k) with company stock inside it? The IRS Net Unrealized Appreciation (NUA) rule can save Troy retirees tens of thousands in lifetime taxes — but only if the distribution is handled correctly, in a single tax year, before any rollover happens. We see the same mistake almost monthly: someone rolls their whole 401(k) to an IRA on their way out the door and loses the NUA treatment forever.
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 Troy 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.
