You are 50+ and have saved over $1mm for retirement.

We will help you maximize your retirement spending, reduce your lifetime tax bill, and worry less about the financial markets.

Why Work With Us?

Retirement and Tax Specialists

When you are in the “Accumulation Phase,” a generalist MAY be able to serve you just fine. However, when you are in the “Distribution Phase,” you NEED to rely on a firm that specializes in retirement planning! We come to the table with expert experience in retirement income, tax optimization, and investment management.

Our team holds the following designations:

The CFP® (Certified Financial Planner).
The RICP® (Retirement Income Certified Professional).
The EA® (Enrolled Agent).

You wouldn’t fly with a pilot who didn’t have a license, so why plan for retirement without certified professionals?

Independence

We don’t represent any Wall Street or brokerage firms, so we can focus on your financial planning needs instead of sales quotas.

Unlike big box firms, we put a cap on the number of families an advisor can work with. This allows us to make a deeper impact on the families we serve.

Fiduciary Standard

As a fiduciary financial advisor, we have an obligation to put your interests ahead of our own. We don’t receive any compensation from third parties, and our fees are as transparent as they get.

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Our Story

The decisions you make in the final stretch preparing for retirement and at the early stages of retirement are critical. I call it the “Retirement Redzone.” The people we serve have spent decades saving and investing quite successfully on their own. As they transition to retirement, they find that navigating the “Spending Phase” is much more complicated than the “Accumulation Phase.”

Most of you want to maximize your retirement income, minimize your lifetime taxes paid, and worry less about the financial markets. This will free up your time to spend with loved ones, travel the world and play more golf!

After working for large firms the first 12 years of my career, I learned there was a better way to do this whole ‘retirement planning thing.’ I launched Imagine Financial Security (IFS) in 2020 as an independent retirement planning firm, so we could eliminate the inherent conflicts of interest at the big box stores, and focus on helping you maximize life fulfillment in your Golden Years!

Our office is in Chattanooga, TN, and we serve people all over the country virtually! And no, I won’t be in a fancy suit driving a fancy car after taking a large commission check from you. In return, we pass on our cost savings to you so you can spend more in retirement!

-Kevin Lao, Owner and Financial Planner