# Lifeguard Retirement Planning

> Fee-based fiduciary retirement planning for people entering or in retirement. Social Security optimization, Medicare guidance, and income strategies so your money outlasts you.

Richard Kirk (Investment Advisor Representative • CAPP™, RFC®, CSS™, NSSA™, IRMAACP™) leads the practice from 636 W Jefferson St., Suite 5, Morton, IL 61550, serving Morton, Peoria, and central Illinois. The practice has two distinct, separately regulated sides: fee-based fiduciary investment advisory services (no commission on managed accounts, held to a fiduciary standard) offered as an Investment Advisor Representative of AdvisorShare Wealth Management, and independent insurance/annuity services (commission paid by the issuing carrier, never deducted from the client's account) offered through Lifeguard Retirement Planning itself. See the Disclosures page for the full breakdown of how these two sides work and are compensated.

## Services

- [Financial Planning](https://www.lifeguardretirement.com/financial-planning): Taking the least amount of risk needed to reach your financial goals.
- [Guaranteed Income Benefits for Life](https://www.lifeguardretirement.com/guaranteed-return-with-lifetime-income): A Fixed Indexed Annuity income rider designed to pay you for as long as you live.
- [Fixed Indexed Annuities](https://www.lifeguardretirement.com/fixed-indexed-annuities): Principal protection with growth potential tied to a stock index — no market-loss downside.
- [Qualified Retirement Plans](https://www.lifeguardretirement.com/qualified-retirement-plans): 401(k), profit-sharing, defined benefit, cash balance, and 401(h) plan design for business owners.
- [Tax Planning](https://www.lifeguardretirement.com/tax-planning): Proactive strategies to reduce income, capital gains, and estate taxes — not just filing a return.
- [Roth IRA Conversions](https://www.lifeguardretirement.com/roth-ira-conversions): Do they make sense for your situation? We run the real numbers instead of guessing.
- [Retire Tax-Free](https://www.lifeguardretirement.com/retirement-life): Retirement Life™ — a tax-free wealth-building tool most people and advisors have never heard of.
- [Estate Planning](https://www.lifeguardretirement.com/estate-planning): Wills, trusts, family limited partnerships, and advanced tools to protect your legacy.
- [Asset Protection](https://www.lifeguardretirement.com/asset-protection): Protecting your wealth from lawsuits, negligence claims, the stock market, and estate taxes.
- [Life Insurance Made Easy](https://www.lifeguardretirement.com/life-insurance-made-easy): Permanent insurance, Retirement Life™, and life settlements — explained simply.
- [Long-Term Care Insurance](https://www.lifeguardretirement.com/long-term-care-insurance): Traditional LTC insurance, single-premium life with LTC benefits, and Retirement Life options.
- [Debt Elimination](https://www.lifeguardretirement.com/debt-elimination): Good debt vs. bad debt, and the Home Equity Acceleration Plan (H.E.A.P.™).
- [Medicare](https://www.lifeguardretirement.com/medicare): Medicare and Medigap supplement guidance — comparing options across multiple A-rated carriers.
- [Medicaid Planning](https://www.lifeguardretirement.com/medicaid-planning): Legal ways to protect more of your assets while qualifying for nursing home or home care coverage.
- [Advanced Case Design](https://www.lifeguardretirement.com/design-center): Access to a specialized planning team for high-income earners and larger estates.

## Team

- [Richard Kirk](https://www.lifeguardretirement.com/team/richard-kirk): Investment Advisor Representative • CAPP™, RFC®, CSS™, NSSA™, IRMAACP™
- [Blair Schadler, CAPP™](https://www.lifeguardretirement.com/team/blair-schadler): Case Design Specialist
- [Roccy M. DeFrancesco, Jr., JD, CAPP, CMP, CRCS](https://www.lifeguardretirement.com/team/roccy-defrancesco): Asset Protection Strategist
- [Joseph Maas, CFA](https://www.lifeguardretirement.com/team/joe-maas): Investment Management Specialist
- [James M. Duggan, JD, MBA](https://www.lifeguardretirement.com/team/jim-duggan): Estate & Tax Planning Attorney
- [Jonathan Camarda, CFA](https://www.lifeguardretirement.com/team/jonathan-camarda): Investment Design Specialist
- [Daniel McDonald](https://www.lifeguardretirement.com/team/daniel-mcdonald): Annuity & Insurance Specialist

## Frequently Asked Questions

- [Full FAQ](https://www.lifeguardretirement.com/faq): Answers to the questions people most often ask about retirement income, Social Security, Medicare, taxes, and estate planning with Lifeguard Retirement Planning.

## About & Contact

- [Home](https://www.lifeguardretirement.com/): Overview of the practice and its approach.
- [Schedule a Call](https://www.lifeguardretirement.com/schedule): Book a complimentary discovery call.
- [Disclosures](https://www.lifeguardretirement.com/disclosures): Regulatory disclosures, fee schedule, professional designation definitions, and compensation model. Includes CRD #5896320 for independent verification via FINRA BrokerCheck and the SEC's IAPD database.
- [Contact](https://www.lifeguardretirement.com/contact): Direct phone, email, and office location.

## Optional

- [Privacy Policy](https://www.lifeguardretirement.com/privacy-policy)
- [Terms of Use](https://www.lifeguardretirement.com/terms-of-use)