Senior Retirement Strategist

You Saved for 30 Years.
Is Your Plan Built for the Next 30?

The climb is over. Most people have no plan for the descent — and that's where retirement plans quietly fall apart.

57%
of retirees run out of money before they run out of time. Most plans are built for accumulation — not for turning savings into income that lasts.
Employee Benefit Research Institute (EBRI) · 2023 Retirement Security Report
Find Out If You're At Risk → Who Is Kyle?
Income
Guaranteed for life
We build income floors that pay regardless of what markets do — so you never have to check your account before making a purchase.
Taxes
Kept where they belong
Most retirees overpay. We build tax-efficient withdrawal strategies that keep more of your money working for you.
Legacy
Protected and preserved
What you've built should make it to your family — intact, efficiently, without a tax bill eating half of it.
The Everest Problem
More climbers die descending Everest
than climbing it.

The ascent gets all the attention. The preparation, the sacrifice, the discipline — that's what everyone focuses on. And for most of the people I work with, the climb was exceptional. Federal pension. Savings. No debt. Kids raised. Decades of doing the right thing.

But retirement is the descent. And the descent is a completely different challenge. The strategies that got you up the mountain are not the same ones that get you down safely. Without the right structure, your income is uncoordinated. Your taxes are unmanaged. A market drop at the wrong moment — or a care event, or a rate reset you had no say in — can undo decades of careful climbing.

I've watched people arrive at retirement with everything they worked for — and slowly watch it erode, not from bad decisions, but from a plan that was never built for this phase. Nobody put the rope on.

"My job is to put the rope on."
Free Download

The Retirement Trap: Why Market Timing Can Destroy Your Nest Egg

Most people don't know about Sequence of Returns Risk — the invisible threat that can wipe out a lifetime of savings in the first few years of retirement, even if the market eventually recovers.

This free guide shows you exactly how it happens, what the wealthy do differently, and how to protect yourself before it's too late.

  • Why the 4% Rule fails 57% of the time in today's environment
  • The Two Retirees case study — same savings, completely different outcomes
  • The three hidden killers most advisors never talk about
  • What a protected retirement strategy actually looks like
The Retirement Trap by Kyle McMillan
FREE
GUIDE
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So what does putting the rope on actually look like?
The Process

From Assessment to Clarity in 4 Steps

1

Take the Assessment

2–3 minutes. Tell us where you stand. No obligation, no pitch.

2

We Call You — or You Book Us

We reach out within minutes — or schedule a time that works for you. Either way, it's a conversation, not a pitch.

3

Strategy Session

Kyle walks you through exactly what we found — no charge, no pressure.

4

Your Blueprint

A custom income plan built around your life, your timeline, your goals.

Choose Your Assessment

Which Situation Fits You?

Two different problems. Two different paths. Both take under 3 minutes and both start with a conversation — not a sales pitch.

or
🛡️
Retirement Risk Assessment

Am I On Track to Never Run Out?

You have money saved — but you're not sure if the structure around it is actually built to last 25–30 years.

  • Retiring soon or already retired
  • Not sure your income will cover expenses
  • Worried about taxes, market crashes, or healthcare
  • Don't have a written income plan
Take the Retirement Risk Assessment →
⏱ 2–3 minutes · No cost · No obligation
🔍
Annuity Exposé

Is My Annuity Still Working For Me?

You already have an annuity — but you're not sure if it's still performing the way you were told it would.

  • Have an annuity you haven't reviewed lately
  • Not sure what your current rate actually is
  • Your advisor hasn't been in touch in years
  • Want a second opinion before it's too late to move
Get My Annuity Exposé →
⏱ 2–3 minutes · Free analysis · No obligation
Carriers We Work With
Who Is Kyle McMillan

I Don't Sell Products.
I Put the Rope On — and Build Retirement Plans That Actually Work.

With over 12 years in the financial services industry, I've spent my career learning the ins and outs of retirement income planning — the carriers, the products, the strategies, and more importantly, the gaps that most advisors never talk about.

What I keep seeing is this: people who did everything right. Saved diligently, built real wealth, made smart decisions for decades. And then they retire — and nobody helps them figure out what comes next. The money is there. The structure isn't. The climb was successful. The descent has no rope.

My job starts where most advisors stop — the moment your paycheck does. Making sure every dollar has a purpose, a protection, and a plan.

That means building an income structure designed to last as long as you do — one that doesn't collapse the moment markets get ugly. It means working with your tax situation proactively, not just at filing time, so you keep more of what you've earned and give less to a system that wasn't designed with your retirement in mind. It means having a real plan for the what-ifs — the care event that wipes out a decade of savings, the creditor nobody saw coming, the estate that gets stuck in probate for two years while your family waits. And it means making sure the people you care about actually receive what you intended — not what's left after the government, the courts, and the fees take their share.

12+
Years in financial services
A+
Minimum carrier rating we accept
100%
Free assessments — no obligation
0
Cookie-cutter plans — everything is custom
Kyle McMillan
Kyle McMillanSenior Retirement Strategist · Summit Income Planning Group
Ready to Find Out Where You Stand?

Stop Guessing.
Know Where You Stand.

The assessment is free. The call is free. The clarity is priceless.

Take the Retirement Risk Assessment → Get My Annuity Exposé →