Rollover 401(k) Guidance
Protect and organize retirement savings from previous employers while exploring options designed for long-term growth and income planning.
Learn moreTrusted Retirement Guidance
Plan and protect your retirement. Build lifetime income. Leave a lasting legacy.
Guidance for families who want to make smart financial decisions about rollover 401(k)s, retirement income, college planning, and cash value life insurance strategies.
Free 15-min consultation
Retirement Income Score
$0
No-cost analysis and Retirement Income Score for qualifying families.
The "Just a Number" Problem
Your retirement is personal. Your planner should be too.
Most families don't leave their advisor over performance — they leave because the calls stopped coming, the reviews turned into templates, and the "personalized service" from the sales pitch quietly became an 800-number. My IRA Hero is built around the opposite promise.
"I feel like I'm just a number. Is it too much to ask my financial adviser for portfolio reviews at least 4x a year?"— MarketWatch reader
Quarterly Reviews — In Writing
Four scheduled portfolio and plan reviews every year, not "when we get around to it." You'll see the calendar invites the day you onboard.
A Capped Client Roster
Your planner limits how many families they take on, so you're never account #847 on a spreadsheet. If we can't give you real attention, we tell you before you sign.
48-Hour Response Promise
Every call and email answered by your planner — not an assistant, not a queue — within two business days.
Independent & Fiduciary-Minded
No captive-shop quotas. Recommendations aligned to your life, values, and worries — not to this quarter's product push.
What Families Face
Today's families face bigger financial decisions than ever.
Whether you're changing jobs, nearing retirement, raising children, helping grandchildren with college, or caring for aging parents — financial decisions can feel overwhelming. Many families are asking:
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How do we protect our retirement savings?
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What should we do with an old 401(k)?
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How can we prepare for college without sacrificing retirement?
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What strategies provide tax-advantaged growth and lifetime income?
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How can we leave a legacy for our children and grandchildren?
Our Services
Solutions designed around your family's goals.
Retirement Income Planning
Discover strategies focused on creating dependable lifetime income and reducing uncertainty during retirement.
Learn moreCash Value Life Insurance
Tax-advantaged accumulation, legacy protection, supplemental retirement income, and financial flexibility for future needs.
Learn moreCollege Funding Strategies
Understand college cost strategies, explore aid opportunities, minimize loan burdens, and build education savings plans.
Get guidanceTax & Estate Planning
Coordinate Roth conversions, asset location, and the four pillars of estate planning so more of your money stays with your family.
Learn moreHealthcare & Medicare
Medicare enrollment, Medigap, HSAs, and long-term care coordination so a health event doesn't derail your nest egg.
Learn moreFamily Legacy Planning
Prepare the next generation with financial education and long-term planning for children and grandchildren.
Get guidanceHow We're Different
My IRA Hero vs. the typical AUM advisor.
What matters
My IRA Hero
Typical AUM Advisor
Annual portfolio reviews
4 scheduled + on-demand
1 (if you chase them)
Response time to your call/email
48 hours, guaranteed
Days to weeks
Clients per planner
Capped roster
Hundreds to thousands
Plan personalization
Life, values, and worries
Model portfolio template
Coverage areas
Retirement · Tax · Healthcare · Legacy · College
Investments only
Fee transparency
Explained in plain English
1% AUM + hidden product costs
Free Offer
Your Retirement Income Score — delivered in 48 hours.
A no-cost, plain-English review of where your plan stands today and what a real Retirement Expert would change first. No obligation, no sales pitch, no auto-enrollment in a call queue.
- Lifetime income gap analysis (Social Security + savings vs. desired spend)
- Old 401(k) and rollover options compared side by side
- Tax, healthcare, and legacy blind spots flagged in plain English
- A written next-step recommendation — yours to keep either way
Get my Retirement Income Score 15-minute intake · 48-hour turnaround
$0
No cost · No obligation
Step 1. 15-minute secure intake — you tell us your situation and goals.
Step 2. We match you with a licensed Retirement Expert in your state.
Step 3. Written Score + recommendations delivered within 48 hours.
Why Families Choose Us
A personalized connection to trusted professionals.
Every family's financial situation is different. That's why we start by learning about your goals, priorities, and concerns. After a short secure form, we help connect you with a retirement or college planning professional best suited to your needs.
- Retirement income planning
- 401(k) rollovers
- College funding guidance
- Cash value life insurance education
- Long-term family financial strategies
What Families Are Saying
Real conversations. Real follow-through.
"For the first time in 20 years, someone actually returned my calls the same day. We rolled over both old 401(k)s and finally understand our income plan."
Karen & Dave M.
Pre-retirees · Arizona
"My previous advisor gave me a template. My IRA Hero gave me a plan for my life — including a tax strategy no one had ever mentioned."
Ronald T.
Business owner · California
"They said no to a product that would've paid them more, because it wasn't right for us. That's when we knew we'd found the right team."
The Alvarez Family
College planning · Nevada
Testimonials reflect experiences shared by clients and family members; individual results vary. Names shortened for privacy.
Who We Help
We work with families in every stage of the journey.
We're a best fit for households with $250k+ in retirement assets, business owners planning an exit, or parents/grandparents within 8 years of a college bill. Not sure if that's you? Ask us — we'll say so honestly.
Families planning for retirement
Parents preparing for college expenses
Grandparents interested in legacy planning
Individuals with old 401(k) accounts
Pre-retirees seeking lifetime income strategies
Families interested in tax-advantaged financial solutions
How We Meet
Guidance on your terms.
In Your Home
We come to you.
At Our Office
Meet us in person.
Over Zoom
Convenient video meeting.
By Phone
Whenever it works for you.
Family Financial Insights
Educational reading for smarter decisions.
Retirement
7 Costly Mistakes Families Make With Old 401(k)s
Read the guide
CollegeHow Parents & Grandparents Can Help Pay for College Without Sacrificing Retirement
Read the guide
IncomeRetirement Income Strategies for Today's Families
Read the guide
Life InsuranceUnderstanding Cash Value Life Insurance for Long-Term Planning
Read the guide
Start your family financial review.
Complete our short information form and we'll connect you with a qualified retirement or college planning specialist based on your goals and needs.