Prout Financial Design began 30 years ago here in Northern Michigan as an education-based financial planning practice. Dennis believes that each client should not only understand their finances, they should be actively involved in the decisions made. Together, Dennis and his clients design a financial plan that matches their past, present and future reality. This counter-culture philosophy builds incredible momentum as they approach their retirement. What is Retirement? "Income! Income! Income! It's all about income!" The days of simple retirement planning are gone and those who can manage their own portfolio are choosing not to. No longer do we have three simple options for income during retirement; pension, social security and savings. Instead, we have disappearing pensions, 401(k)'s, IRA's, lump sums, annuities, long term care, etc. The complexity of rules has caused fear. What if you make a mistake? What if you have? Retirement planning requires an expert financial advisor who understands the income strategies involved to retire along with the tax & legal implications of each decision. That is what we do. We take our professional experiences and combine them with your life story. Advisory Services offered through Capital Asset Advisory Services, LLC, a Registered Investment Advisor. Prout Financial Design does not provide tax, accounting, or legal services. Please consult the appropriate professional regarding your individual circumstance. Not associated with or endorsed by the Social Security Administration or any other government agency.