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  • Home
  • Our Services
    • Retirement Income Planning
    • The Fiscal Cliff of Retirement
    • Social Security Optimization
    • Tax Preparation and Planning
    • Estate and Asset Protection
    • Wealth Management
  • TV Appearances
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The Retirement Engineer Story

James

THE RETIREMENT ENGINEER

From General Motors to Financial Advisor in Fort Myers

After graduating top in his Engineering class from the University of Western Ontario, James became an Executive Director at General Motors. Among his many accomplishments, James was named “GM’s Engineer of the Year” for the launch of the award winning Chevy Trailblazer and he holds the engineering patents to the popular Chevy Avalanche. With a Minor in Economics and Finance, James was also responsible for massive budgets and was instrumental in leading many successful, cost-effective programs, as well as introducing many efficiencies that ultimately saved GM millions of dollars.

As the economic tides changed and the automotive industry faced crisis in 2008, James and his family were caught in the resulting downward slide felt by so many. Although James loved engineering, this presented him with an opportunity to follow his dreams, start his own business, and re-locate to Southwest Florida where he has since been actively involved as a Retirement Planner and Financial Advisor in Fort Myers. His passion for helping retirees (and those approaching retirement) realize their financial goals was the vision behind establishing Waterstone Financial. His innovative, intellectual and intuitive approach has made him a top financial advisor in Fort Myers and in the industry.

Today, James is on a mission to help change the face of the financial services industry. Utilizing his talents and expertise as an engineer, James conducted a critical analysis of the financial industry and began to apply engineering principles to financial planning. Now branded as The Retirement Engineer, James specializes in custom designing, building and testing retirement plans that are predictable, effective and truly work. As a financial advisor, James understands that there is often confusion or a miscommunication between financial advisors and clients regarding the proposed retirement strategy. This leaves clients with a poor understanding of what the financial advisor plans to do with their hard-earned savings. As a result, many clients do not take action and advisors watch clients walk out the door never to return.

 James knew there had to be a better way to bring the client into the conversation, enabling the advisor to build a comprehensive plan that could be displayed to the client visually and graphically. James insisted on presenting plans that clearly demonstrated exactly how the strategy would work, and where the structured income streams would derive from. The Retirement Engineer got to work, and after many pain-staking hours James created the SIPS Retirement Planning Software. The software allows the financial advisor to graphically show the client exactly what their current financial situation looks like and then use elements of tax planning, inflation, pensions, IRAs, company sponsored plans and insurance to create multiple scenarios the client can see and understand. Together, the financial advisor and the client can then make the best choice for their retirement plan.

Since its launch in September 2010, the system has gone through a number of upgrades and now includes planning for not just retirement income, but all aspects of estate planning, tax planning, and investment planning. The SIPS Retirement Planning System is rapidly replacing other planning software in offices of financial planners and tax advisors across the country. It continues to receive rave reviews and is improving every year. This will be the industry standard in Retirement Planning Software.
James is now realizing his dream of owning his own business, educating advisors and clients across the nation and helping people achieve the most from their retirement savings. This gives James enormous pride and satisfaction and he is delighted to be a financial advisor in Fort Myers.

 

Rethink your Retirement!

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The Journey

James Gallagher developed and refined a process to bring engineering principals to the retirement space. We use this process to Design, Build and Test integrated financial plans that structure income, optimize taxes, and assure effective wealth transfer. We continually monitor the plan and the investments making real-time adjustments as various life events unfold.
We call this process The Journey.

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Advisory Disclosure

Advisory services offered through J.W. Cole Advisors, Inc.  J.W. Cole Advisors, Inc. and Waterstone Financial are unaffiliated entities.  Advisors must be properly registered in the state where you live in order to conduct securities related business with you. A response to your request for information might be delayed in order to assure our compliance with this regulation. No information provided on this site is intended as a solicitation to buy or sell any security. The investments and services mentioned may not be available in every state. No security will be offered or sold to any person, in any state in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdictions.  Check the background of your financial professional on FINRA’s BrokerCheck

Insurance Products are offered through Waterstone Financial LLC.    Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims paying ability of the issuing company.

Neither J.W. Cole Financial, Inc. (JWC) nor its representatives provide legal, tax nor accounting advice.

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  • Home
  • Our Services
    • Retirement Income Planning
    • The Fiscal Cliff of Retirement
    • Social Security Optimization
    • Tax Preparation and Planning
    • Estate and Asset Protection
    • Wealth Management
  • TV Appearances
  • Team
  • Contact Us