30+Years guiding retirees
Three interactive tools. No account set up required. Pick the worry that fits you and get a personalized, educational report on screen in seconds, at no cost.
Will your guaranteed income cover your monthly essentials? Find your monthly gap.
Will your money outlast you in a bad market? Stress-test it and see the odds.
Already own an annuity? Get a second opinion on what you own and what it costs.
All three tools run right here in your browser — no download, no account, and nothing leaves the page until you ask for your results.
“After years of sitting across the table from people on the edge of retirement, I learned the question that actually keeps them up at night isn’t “How’s my portfolio doing?” — it’s “Will I run out of money?””
Michael Owens is a holistic financial advisor specializing in retirement planning for pre-retirees and retirees. As a fiduciary-oriented firm and a Registered Investment Advisor, Carolina Financial Services Group is committed to putting clients' best interests first and providing guidance designed to help them make informed financial decisions.
With more than 34 years of experience, Michael has helped individuals, families and small businesses develop personalized retirement strategies focused on financial security, confidence, and peace of mind. His planning process addresses many of the key risks retirees face, including inflation, longevity, and long-term care.
expenses, sequence-of-returns risk, market volatility, taxation, and the potential financial impact of the widow's penalty.
Michael works closely with clients to grow and protect their retirement assets through a disciplined approach to risk management. His goal is to help clients create reliable lifetime income, reduce unnecessary financial risks, and maximize the benefits available to them so they can enjoy the retirement they have worked so hard to achieve.
We never start with what to buy. We start with your retirement paycheck — what's guaranteed, what's at risk, and where the gap is. The right solution reveals itself once the need is clear.
I'll show you plainly how I'm paid, what every option costs, and the trade-offs involved — including when the smartest move is to do nothing at all.
Already own an annuity or have a plan in place? I'll give it a straight review. Sometimes that means confirming you're in good shape. My reputation matters more than any single sale.
Pinpoint the difference between your guaranteed income and your essential expenses — and build a plan to close it for life.
Large pre-tax balances can create surprise tax bills. We plan withdrawals to keep more of what you've saved.
We help prepare for Medicare premiums, long-term care, and rising medical costs before they impact retirement income.
Worried about running out of money? We design dependable income streams that continue no matter how long retirement lasts.
Poor market timing early in retirement can damage your income. We build safeguards to help protect your withdrawal strategy.
Many retirees care more about protecting wealth than chasing returns. We help structure assets with stability and downside protection in mind.
Bring your questions — about income, Social Security, an annuity you own, or just whether you're on track. The first conversation is always free, and there's never an obligation.
Schedule My Free Review