There are over 300,000 financial advisors in the United States. How do you find the best one to guide you through retirement? You did most things right, financially. You saved for decades, avoided the big mistakes, and let compounding do its work. But now that retirement is here, the rules have changed completely. You are no longer building wealth. You are living on it. And the advisor who helped you get here may not have the specialized training to help you through what comes next. Most financial advisors are trained to grow portfolios, not to turn them into sustainable income.
They were never taught how to coordinate Social Security claiming strategies, execute tax-efficient Roth conversions, build withdrawal sequences across multiple account types, or manage the unique risks that only show up after you stop working. The result? Missed opportunities that can cost retirees hundreds of thousands of dollars over a lifetime. In The Retirement Specialist , Dr. Eric Ludwig draws on 20 years of experience as both a practicing financial advisor to affluent retirees and an Associate Professor of Retirement Income at The American College of Financial Services, where he directs the nation's premier credential for retirement income planning. He has personally guided over a thousand retirements and trained thousands of advisors through the RICP® designation program. This book gives you: A clear framework for understanding the difference between wealth-building advice and retirement income expertise The dangerous "defaults" generalist advisors rely on, and why they can quietly erode your wealth Real scenarios and red flags that reveal whether your advisor truly understands retirement Green lights that signal genuine retirement income specialization A step-by-step approach for evaluating advisors and making a confident switch if needed A free companion checklist to guide you through the process Whether you are five years from retirement or already living it, whether you are happy with your advisor or sensing something is off, this book gives you the tools to make sure your wealth is guided by the right expertise at the right time. You worked too hard to become someone else's learning curve. Make sure your retirement years are planned by someone who specializes in making it last.