Hi, I'm Larry Pershing, CFP®, RMA®. I focus on helping people age 50 and better build tax-efficient retirement income for a flat fee. Having worked in various wealth management firms in my career, I was surprised to discover many firms try to service everyone, which leads them to being average for all. Some are more concerned with amassing client assets than providing customized recommendations. I founded Optimum Retirement Planning, an independent financial planning firm, because I saw a need for specialists to help clients navigate the complex and challenging financial aspects of retirement. Our offering is different. We don't work with everyone. We specialize in helping those who are close to and in retirement. We apply the latest financial research for retirement to build tax-smart retirement income and investment strategies.