Retirement Planning and Advisory Services
in Westminster, MD
Plan for Retirement With Confidence
Retirement raises big questions. When can I stop working? How do I turn decades of savings into steady income? When should I claim Social Security? What happens if the rules — or my life — change?
At Puckett Financial Group, our team of CERTIFIED FINANCIAL PLANNER® professionals helps families across Westminster, Carroll County, and central Maryland answer these questions with a clear, written plan. We’re an independent, fiduciary financial services firm, not a branch of a big bank or brokerage. The advisors of Puckett Financial Group collectively serve over $600 million in brokerage and advisory assets (as of July 1, 2026) for families who want the personal attention of a local firm backed by the depth of an established one.
A Team for Every Stage of Retirement
Retirement isn’t one decision. It’s a series of them, spread over decades. We build plans for wherever you are:
- Getting close (5–10 years out): We help you see whether you’re on track, find gaps while there’s still time to close them, and prepare for the transition ahead.
- Making the leap: We help you build your income plan, decide on Social Security timing, navigate 401(k) and pension choices, and get ready for Medicare enrollment.
- Already retired: We help you manage withdrawals, keep your plan current as tax rules and markets change, and adjust as life does.
Retirement Income
Planning
Your paycheck stops at retirement — your bills don't. We help you design a strategy for turning your savings, Social Security, and any pension into reliable monthly income. Our approach is conservative and evidence-based. We focus on what you can control: spending, timing, taxes, and risk. No hype, no guesswork — a written plan you can understand and follow.
Social Security
Timing
When you claim Social Security can meaningfully change what you and your spouse receive over your lifetimes. The right answer depends on your health, your work plans, spousal and survivor benefits, and your other income. We model your options side by side so you can make this decision once — and with confidence. Based on current rules, claiming decisions are largely permanent, so it pays to get this one right.
Tax-Aware
Withdrawal Strategies
Which account you draw from first — and when — can affect how much of your money you keep. Our team helps you think through the order of withdrawals across taxable accounts, IRAs, and Roth accounts, and we coordinate with your tax professional so the plan works as one piece. Tax rules change often, so we revisit this every year as part of your ongoing plan.
Medicare and Health Costs
Health care is one of the largest expenses in retirement, and Medicare has real deadlines with real penalties for missing them. We help you understand your enrollment windows and build expected health costs into your income plan — before they become surprises.
Estate and Legacy Planning Basics
A complete retirement plan also aims to protect the people you love. We review beneficiary designations, talk through the basics of wills and powers of attorney, and coordinate with your estate attorney so your documents and your financial plan tell the same story. For many of our families, that conversation spans generations.
Why Families Choose Puckett Financial Group
- Independent and fiduciary: Our advice is driven by your interests — not a parent company’s products or sales quotas.
- A deep bench: You work with a team of CERTIFIED FINANCIAL PLANNER® professionals and dedicated support staff — not a single advisor stretched thin.
- Established: Families across central Maryland depend on us, and the advisors of Puckett Financial Group collectively serve over $600 million in brokerage and advisory assets (as of July 1, 2026).
- Local: Our Westminster office means real relationships — for the big decisions and the quick questions alike.
- Clarity: We explain everything in plain language and put it in writing.
Common Questions
Do you only work with people who are close to retirement?
What does a first meeting cost?
Is there a minimum to work with your firm?
Let's Talk About Your Retirement
The best time to build a retirement plan is before you need it. If you live in Westminster, Carroll County, or anywhere in central Maryland, we’d welcome a conversation.
Call us at 410-871-4040 or schedule a no-obligation introductory consultation today.
