Arizona Retirement Planning
Our Promise To You
Retirement is personal. You’ve worked hard to save and invest your money, and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Balanced Wealth Inc is an independent financial services firm specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
Retire with confidence
The Retirement Income Framework
Our 5-Step proprietary process creates an income plan focused on identifying the six fundamental financial planning considerations and designing a retirement strategy that actively works to help optimize your finances, keeping your goals and objectives forefront.
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Six Fundamental Financial Planning Considerations
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
A Balanced Approach
Our Services
Wealth Management
Our wealth management planning is based on a philosophy of controlling for volatility and eliminating unnecessary fees.
Tax Mitigation
We’ll walk you through the numerous tax planning strategies that can minimize your taxes in a legal and ethical manner.
Social Security Optimization
We’ll help you understand the benefits you are entitled to and how to maximize that Social Security income in your retirement.
Legacy & Estate Planning
Since we all will eventually pass, it is critical to have a plan to make sure that your hard-earned assets go to your loved ones and charities in the most efficient manner.
Income Planning
We’ll plan and help create strong and predictable income which is the foundation of a comfortable lifestyle.
Here For You
Meet Chuck Rowan
Chuck Rowan
Advisor
Chuck Rowan is a client-focused and results-driven financial advisor with 32 years of experience helping individuals, families, and businesses achieve financial security through tailored investment strategies, retirement planning, and comprehensive wealth management. Chuck is known for building long-term trust-based relationships and delivering financial solutions with clarity, integrity, and a deep understanding of his clients’ goals.
Chuck spends most of his free time having fun with his beautiful wife of over 34 years, along with his six children and three grandchildren.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in November 2025
- There are no events scheduled during these dates.
Our Guides
5 Keys To Modern Retirement Planning
A successful retirement doesn’t happen by accident—it’s built on the right strategy. This guide breaks down the 5 essential keys to retirement: income, investing, taxes, estate planning, and healthcare. Whether you’re just getting started or fine-tuning your plan, these pillars can help you retire with confidence and purpose.
Optimizing Social Security In Today’s World
Claiming Social Security at the wrong time could cost you tens of thousands over your retirement—and you may not even realize it. This guide shows how the right strategy can unlock more income, more security, and greater confidence in your financial future. Make sure you get what you’ve earned!
Tips to Help Avoid “Market Panic” Reaction
Planning for retirement is never a “set it and forget it” activity: There are unexpected disasters, market drops, and changing laws that invariably cause retirees to reevaluate their plans. Diseases, natural disasters, or political instability are examples of things that can cause market downturns or drops.
