Clarity for your income. Confidence for your future.
Control for your life.
Retirement changes the rules — and the stakes.
Hansen Financial specializes in the crucial shift from accumulation to income, helping pre-retirees and retirees across Southern California and Arizona convert lifetime savings into structured, dependable retirement income.
This is the no-mistakes stage of life. We treat it that way.
What we hear
The rules change when you retire. Your advisor should change, too.
For decades, the goal was simple: grow the balance. But the moment you stop working, you notice all the changes.
If any of these sound familiar, you're in the right place:
"I've saved for 30 years. I just don't know how to turn it into something I can actually live on."
"My biggest fear isn't the market. It's running out of money before I run out of time."
"Every advisor I've talked to had a solution ready before I finished my first sentence."
"I don't need to be dazzled. I just want someone to explain my options clearly."
"I'm done building. I just want to enjoy what I built."
The stakes change
The accumulation phase has room for error. The distribution phase usually doesn't.
One wrong sequence and the math can make things more difficult. This is why the transition into retirement deserves its own focus.
A different kind of advisor
Built on the belief that the right advisor can change everything.
We find many advisors lead with credentials. I'd rather lead with this: I've been through enough difficult things in my own life that when a client sits across from me worried about their future, I'm not just listening professionally. I understand personally. That's what shapes everything about how I work.
Andy Hansen
Founder, Hansen Financial
Services
Strategic guidance for the stage where it matters most.
We don't offer pre-packaged strategies or one-size-fits-all portfolios. Every recommendation we make is built around your goals, your timeline, and what matters most to your life in retirement — not ours.
Retirement Income Planning
The central question of retirement isn'thow much do I have —it'show do I turn it into income I can count on?We help build structured income strategies that account for your spending needs, your timeline, and the sequencing decisions. The result is income you understand, a plan you can depend on, and the confidence to spend without second-guessing every withdrawal.
Investment Management
In the distribution phase, how your portfolio is positioned matters as much as what it earns. A market drop early in retirement hits very differently than one ten years in. We help manage your investments with the income phase in mind — balancing growth, stability, and the sequencing risks that can quietly erode a well-funded retirement.
Retirement Planning
Retirement isn't one decision — it's dozens of them, made over years, that either compound in your favor or work against you. We design comprehensive plans that cover the moving pieces:: income, tax minimization, healthcare, Social Security, legacy, and the surprises in between. Nothing falls through the cracks because we've mapped the whole picture before we recommend a single thing.
Social Security Optimization
For many people, Social Security is the single biggest financial decision of retirement — and we find that people make that decision without running the numbers. Claiming one year too early or too late can mean thousands of dollars over your lifetime. We analyze your full situation — your health, your spouse's benefit, your other income sources — and show you a strategy designed to help maximize what you've earned.
Risk Management
Retirement introduces risks that simply didn't exist during your working years. Sequence of returns risk. Longevity risk. Healthcare costs. The risk of outliving a plan that looked fine on paper. We identify the specific risks in your situation and build strategies to protect against them — so one bad year or one unexpected expense doesn't disrupt everything you've built.
Tax Minimization
Taxes don't stop in retirement — in many cases, they tend to get more complicated. Between required minimum distributions, Social Security taxation, and capital gains, the decisions you make aboutwhenandhowto draw down assets can dramatically affect what you actually keep. We work to reduce your lifetime tax burden through thoughtful withdrawal sequencing, Roth conversion planning, and coordination with your tax professional.
Inflation Strategies
A retirement income that feels comfortable today may not feel comfortable in fifteen years. Inflation is slow and quiet — and it's one of the most underestimated risks to a long retirement. We help build income strategies designed to keep pace with rising costs over time, so your purchasing power doesn't erode while your expenses keep climbing.
Income Maximization
Every retirement is different. The goal isn't just to generate income — it's to generate themost dependable incomeyour assets can produce, structured in the way that fits your life. We help design strategies that pull the right levers, in the right order, to make sure you're not leaving money on the table or taking on risk you don't need to.
TheSHIFT Processis built for the transition from saving to living on what you've saved. Five steps designed to help bring clarity to where you are, structure to your income, and protection to everything you've built.
See the full picture
Before anything else, we understand what you've built and what you need it to do
Honest assessment
We show you where you stand, where any potential gaps are, and what's actually at risk
Income architecture
We build a structured income strategy around your life, not a template
Fine-tune as life moves
Regular reviews to help keep the plan aligned as things evolve
Team around you
We connect you to the tax, legal, and estate professionals who can complete the picture
Built for the people who've already done the hard part.
Some of our clients are affluent. Some are not. What they share is this: they've worked hard, they've been responsible, and now they want someone who will treat their retirement with the same seriousness they brought to building it.
Every Family
Significant assets or not, you deserve a personalized plan. Clarity and confidence aren't reserved for the wealthy.
Business Owners
Specialized guidance for the unique exit, tax, and income challenges that come with leaving a business you built.
Educators
Pension-aware planning for teachers and administrators who deserve better advice than what is typical.
Divorcees
A fresh financial start — with an advisor who's been through it and knows what is needed in the rebuild.
Andy Hansen's job is to help protect people — from bad decisions, bad advice, and the kind of financial vulnerability that keeps people up at night.
That's not a tagline. It's personal. He's watched his mother live with MS until she passed, and learned at age seven — when his father was diagnosed with terminal cancer — that having the right plans in place can be the difference between a family that holds together and one that doesn't.
Clients who've been through loss or major life transitions tell him the same thing: they feel understood. Not managed.
That's the foundation everything else is built on.
Straight talk on retirement — when you need it most.
We don't offer pre-packaged strategies or one-size-fits-all portfolios. Every recommendation we make is built around your goals, your timeline, and what matters most to your life in retirement — not ours.
Join a conversation designed for where you are right now.
Whether you're five years from retirement or already in it, our informational events are a low-pressure way to discover strategies, think through your options, and connect with an advisor who understands this stage of life.
Let's convert what you've built into adependable retirement.
You've spent decades doing the work. This is the stage where strategy matters more than speculation — and where the right advisor in your corner makes all the difference.
The next step is simple: a focused conversation about where you are and where you want to go.
