Retirement Planning for a Confident Future
                     Retirement Planning for a 
Confident Future
Breen Financial Management | Trusted Guidance for Your 
Retirement Journey
📍1515 International Parkway, Suite 1019, Lake Mary, FL
Why Retirement Planning 
Matters?
In today's rapidly changing financial landscape, planning for retirement has 
never been more crucial. Americans are now living longer than ever before, 
with many spending 20+ years in retirement—nearly a quarter of their 
lives.
Meanwhile, rising healthcare costs and persistent inflation continue to erode 
purchasing power, directly impacting long-term financial stability and 
security.
Our goal is simple but profound: to help you build a comprehensive roadmap 
tailored specifically to your future needs and dreams.
Planning today ensures comfort and security 
tomorrow.
Your Trusted Retirement 
Advisors
Experienced Personalized Credentialed
Over 20 years of specialized financial Dedicated service with a focus on Backed by Dempsey Lord Smith, LLC, 
planning experience helping Central transparency and education, ensuring you Member FINRA/SIPC, providing regulatory 
Florida families prepare for their understand every aspect of your oversight and security for your 
retirement years. retirement strategy. investments.
The Core Pillars of Retirement 
PA clomapnrehnensiivne rgetirement strategy must address these five essential elements:
Incom
1
e
2 Healthcar
e
3 Estate 
Planning
4 Investment 
Management
5 Tax-Efficient 
Withdrawals
Each pillar requires careful planning and integration with your overall strategy. Our approach ensures that no aspect of your 
retirement security is overlooked.
Retirement Income 
Sources
Social Security
Strategic timing decisions can significantly impact lifetime 
benefits. We help optimize your claiming strategy.
Employer Plans
Maximizing 401(k), SEP, and 403(b) contributions and 
managing rollovers to preserve tax advantages.
IRAs (Traditional & 
Roth)
Strategic use of tax-deferred and tax-free growth vehicles 
based on your situation.
Personal Savings
Creating sustainable withdrawal strategies from your 
accumulated assets.
Understanding Healthcare Needs in 
RHeaelthtcairer reprmesenets nonet of the largest expenses in retirement, yet it's often underestimated in planning. Medicare 
provides essential coverage beginning at age 65, but it is not comprehensive.
A couple retiring today at age 65 may need approximately $300,000 in after-tax savings to cover healthcare 
expenses throughout retirement, according to industry estimates.
80%
Of retirees will need some form of long-term care
20%
Average Medicare coverage of long-term care costs
6%
Annual healthcare inflation rate exceeds general inflation We help you explore supplemental insurance, long-term care funding strategies, and healthcare savings vehicles to 
prepare for these significant costs.
Building Custom Retirement 
Planning Solutions
At Breen Financial Management, we recognize that your retirement journey is as unique as 
your fingerprint. We reject one-size-fits-all approaches in favor of deeply personalized 
planning.
Discovery
We begin with a comprehensive assessment of your current financial situation, goals, 
values, and concerns.
Strategy 
DWee vcreelaotep mcuestnotmized retirement solutions based on your specific income needs, 
lifestyle goals, and risk tolerance.
Stress Testing
We rigorously test your plan against various scenarios including inflation spikes, 
market downturns, and extended longevity.
Implementation & 
MWeo hneitlpo reixnegcute your strategy and continuously adjust as your circumstances 
and market conditions evolve.
Serving the Oviedo Community and 
Beyond We take immense pride in serving the retirement planning needs of residents 
throughout Central Florida, with a special focus on the Oviedo community.
Local Expertise Flexible 
Consultations
Our team understands the unique Choose between in-person meetings 
financial considerations of Florida at our Lake Mary office or convenient 
residents, from property tax issues to virtual consultations from the comfort 
hurricane preparedness. of your home.
National Resources
While deeply rooted in the 
Our proud Central Florida community community, we bring national-level 
expertise and resources to every 
client relationship.
Let's Plan Your Future 
TReoadyg toe rettirhe weithr confidence? The journey to a secure retirement begins with a single step. 
Schedule your complimentary consultation today and discover how our personalized approach can 
help you achieve your retirement dreams.
Book Online Email Us
Visit www.breenfinancial.com to schedule through Reach out directly: [email protected]
our secure booking system
Our welcoming office space is designed to make discussing your financial future 
comfortable and productive.
Call Today Speak with our team: 📞 407-712-6780
Thank You
Let's Shape Your Financial Future
Breen Financial Management
📞 1515 International Parkway, Suite 1019, Lake Mary, FL
📞 [email protected] | 📞 407-712-6780
📞 www.breenfinancial.com