Retirement Planning Near Annapolis, Maryland

Getting to Retirement Is One Thing. Getting Through It Is Another.

We help people within 10 years of retirement turn a lifetime of savings into steady income they can actually live on, so they finally know what they can spend and why.

Schedule a 15-Minute Intro Call

Middle-aged couple smiling at each other while looking at a computer

The Missing Step in Most Retirement Plans

You Spent 40 Years Saving. Nobody Taught You How to Spend It.

Here’s the truth most people learn too late: the strategies that helped you build a nest egg aren’t the same ones that turn it into a paycheck. Growing money and living off money are two different jobs. When the regular paycheck stops, a lot of good savers suddenly feel unsure, and that uncertainty can cost real money.

Does any of this sound familiar?

You have statements from a handful of accounts but no real plan connecting them.
You’re not sure how much you can safely spend each month.
You worry a bad market year could set you back for good.
Taxes, Medicare and Social Security decisions feel tangled together.
You’re either afraid to spend a dime or spending without a map.
You’ve saved your whole life, yet you still don’t feel ready.

Most people only retire once. It’s hard to get good at something you only do one time. You shouldn’t have to guess your way through the most important financial decade of your life.

You’re Not Behind. You Just Need a Plan.

We get it. Handing over what you’ve worked your whole life to build takes trust. You want straight talk, not a sales pitch, and someone who explains things in plain English.

That’s exactly how we work. We come from a blue-collar family, we know the value of a hard-earned dollar and we treat your money like it took real work to save, because it did.

Here’s how we help everyday people retire without the guesswork:

Independent firm, so our advice is tailored to you, not a product menu
Founded by brothers Jacob and Luke Serfas, right here in Annapolis
Jacob is the author of “Permission to Spend: What to Do When Your Paycheck Stops and Retirement Begins”
Luke is a Marine Corps veteran who spent time as a financial advisor at two multinational investment banks
A coordinated approach across income, investments, healthcare, taxes and legacy
Securities licensed, with specialized training in federal employee benefits

Schedule a 15-Minute Intro Call

Multigenerational family cooking in the kitchen

The Retirement Test Drive

Clearing the Road Ahead in Three Simple Steps

Before you make the leap, you get to test drive your retirement, so you can see how your plan holds up before it’s the real thing. Our custom planning process provides a clear look at where you stand. Here’s how it works:

Schedule a call

Start with a short, friendly conversation about your goals and see if we’re a good fit.

Test Drive Your Retirement

We stress-test your current plan against real market history, taxes and inflation, then build a custom strategy.

Live Your Retirement

Put the plan in motion with a team beside you, adjusting as life changes.

Book a free strategy call

The Copper Creek Retirement Roadmap

Five Connected Areas,
One Coordinated Plan

Retirement isn’t many separate buckets. Pull one lever and the others move. A single withdrawal can spike your tax bill or bump your Medicare premium. That’s why we plan all five major areas together, so nothing gets left to chance.