Fiduciary retirement planningNationwide
Retirement planning built on trust and transparency.
Sean Farro, ChFC®, is an independent advisor who works predominantly with retirees and pre-retirees, both in person and remotely. Income, taxes, investments, risk, and estate planning, coordinated as one plan and explained in plain language. He works with clients nationwide, from his offices in Florida.
Credentials and structure
Designation
ChFC®
Chartered Financial Consultant, issued by The American College of Financial Services.
Standard
Fiduciary advice
Sean is held to a duty to put your interests ahead of his own.
Structure
Independent
No employer’s product list shapes what Sean recommends.
Where he works
Nationwide
Sean advises clients across the country from offices in Central Florida, where he grew up.
What planning is for
The questions a retirement plan has to answer
Retirement raises questions that have no general answer. Each one depends on your own numbers, and each one pulls on the others.
01
Will the money last?
Whether savings can support the life you want for as long as you need them to, including the years nobody can plan for precisely.
02
Am I paying more tax than I need to?
Taxes in retirement are decided across years rather than in a single filing season, and many of those choices are yours to make.
03
Is my portfolio built for this stage of life?
A portfolio that suited the saving years can carry risk that no longer fits the years of drawing down.
04
What would a long illness do to this plan?
Long-term care is among the largest and least predictable costs in retirement, and there’s more than one reasonable way to prepare for it.
05
What happens to the one who is left?
Income, tax filing status, and household finances all change when one spouse dies. That is far easier to arrange in advance than afterward.
06
Will my family receive what I intend?
Beneficiary forms, account titling, and legal documents have to agree with one another. Often they quietly do not.
Why the firm exists
Bringing transparency back to financial services
Transparent Retirement Group began with this single idea. Trust and transparency are the mission, and they shape how every recommendation is made and explained.
- You know what something costs before you decide, not after.
- You get an honest answer, and a recommendation that starts with your situation instead of a product.
- You hear the reasoning in plain language, so you can weigh it up yourself.
Clear about costs
You’ll know what you’re paying, and what you get for it, before you sign anything.
Advice in your interest
Sean gives investment advice as a fiduciary. That means he is required to put your interests ahead of his own.
No talking over your head
Sean explains your options in plain language, and the thinking behind each one. No jargon, and no assuming you already know.
Treated like family
Sean’s rule is a simple one: give you the advice he’d want his own family to get.
Five planning areas
Five areas of planning, coordinated as one
Income, taxes, investments, risk, and estate all pull on each other. Planning them together is the only way to see what one decision does to the rest.
Not sure which area your question falls under?
Plenty of questions touch more than one of these. Get in touch and Sean will help you work out where yours fits.
Planning scenarios
What the work looks like, in three situations
Common retirement situations and the questions each one raises. These are illustrations written for this website, not client stories.
These scenarios are illustrations written for this website. They do not describe any actual client, engagement, or result, and no outcome is implied or guaranteed. Every situation is different and would be worked through on its own facts.
Who you work with
The advisor behind the plan
Credentials, licensing, and how the practice is built.
Sean Farro, ChFC®
Investment Advisor Representative
Chartered Financial Consultant, independent, and insurance and investment licensed. Works predominantly with retirees and pre-retirees, both in person and remotely.
Getting started
How a first engagement actually works
The first conversation is free, and there’s no obligation. Here’s how the rest usually goes.
01
Get in touch
Call, email, or send the form. Share as much or as little as you like at this point.
02
An introductory conversation
A first conversation about where you stand, what you want retirement to look like, and whatever is on your mind. Free, and no obligation.
03
A review of the full picture
Income, taxes, investments, risk, and estate, looked at together, so that no one decision gets made in isolation from the rest.
04
Your decision
Whether to go further is your call. If you do, you agree the scope of the work and what it costs before anything starts.
Retirement planning education
The questions retirement raises, answered plainly
These are the questions that come up most often. Any one of them is worth bringing to a first conversation.
Social Security timing
How the benefit changes between claiming at 62, at full retirement age, and at 70, and the factors that inform the decision.
Marginal and effective tax rates
The difference between the two, and why both matter when deciding how much income to recognize in a given year.
The years before required distributions
Why the period between retiring and beginning RMDs often offers the most planning flexibility.
Have a question that is not covered here? Ask Sean Farro directly.
Central Florida
Nationwide, and from here
Sean works with clients nationwide, and he grew up right here. He has offices across Central Florida, so if you are local you can meet in person. If you are not, the phone works just as well.
Common questions
Questions people ask before reaching out
Answers to the questions that come up most often at the start.
No. The first conversation is free, and there’s no obligation afterward.
It’s there so Sean can understand your situation and the questions you have, and so you can decide whether working together makes sense.
Next step
It starts with a conversation
The first conversation is free, and there’s no obligation. Call, email, or use the form.
Prefer email? Sfarro@InvestAegis.com