Work with our reputable retirement plan consultant in the Baltimore area and multiple states nationwide
Turn to ZiVae Financial for all your retirement consulting needs
Retire with Ease at Zivae Financial
Our Retirement consultants are licensed in 13 states.
Navigating retirement can be complex, but with ZiVae Financial on your side, you’ll retire with confidence. As a certified retirement plan consultant with extensive experience, we offer personalized, transparent, and ethical retirement consulting services. Our Retirement consultants are licensed in 13 states. Maryland, Georgia, Virginia, North Carolina, Texas, Maine, New York, Pennsylvania, Oregon, Wisconsin, Kentucky, Florida and Indiana. Our headquarters is located in Maryland and we serve our clients in person and virtually. Passionate about educating our clients, we ensure you understand your options fully, providing thorough, expert guidance every step of the way.
Call now to schedule an appointment with one of our retirement planning advisors at Zivae Financial where we make retirement easy.
What can our retirement consultant do for you?
Our consultants are here to help you make confident, informed decisions. Our goal is to treat every customer like family. Our experienced retirement plan consultants are dedicated to guiding you toward a secure retirement. You can turn to us anytime you need:
Get A Written Retirement Plan Here
Life Insurance
Corporate Seminar/Webinar Request
We offer retirement seminars and webinars so that you can meet the education requirements of your HR department. Contact us today to learn more.
5 GREAT REASONS TO CHOOSE ZIVAE FINANCIAL
1. Because “Winging It” Is Not a Retirement Plan Most
Americans spend more time planning a vacation than planning retirement. According to Fidelity, 61% of people don’t even know how much they need to retire — but everybody swears they’ll “figure it out later.” Zivae helps you figure it out now, without the tears, Google panic, or math-induced migraines.
2. You Get a Financial Planner Who Actually Speaks Human
Some advisors talk like they get paid in acronyms. Zivae breaks it down in warm, simple language so clear your aunt who still writes checks will understand it. Money shouldn’t feel like quantum physics. With Zivae, it won’t.
3. You Get a Customized Plan — Not a Cookie-Cutter PDF
A Zivae consultant looks at:
- your goals
- your lifestyle
- your timeline
- your risk tolerance
- your kids, hobbies, side hustles, and even your “one day I’m moving to Bali” dream
Only 35% of Americans have a written financial plan, but people WITH one are 3x more likely to feel confident about their retirement. Zivae puts you in the confident category.
4. Because Taxes Will Snatch Your Money If You Don’t Plan Ahead
The average American loses 25–30% of lifetime wealth to taxes simply because no one told them how to structure withdrawals, Social Security timing, or income brackets. Zivae advisors specialize in:
- tax-efficient income
- Social Security optimization
- reducing lifetime tax drag
- legally keeping more of what you earn
Translation: We protect your coins from Uncle Sam like a financial Secret Service.
5. You Get Coaching AND Care — Not Just Numbers
Retirement isn’t just math; it’s mindset. Research shows 72% of financial decisions are influenced by emotions, not logic.
Zivae blends traditional planning with:
- lifestyle coaching
- emotional spending awareness
- wealth-mindset development
- future-self decision modeling (so you don’t)
1. Because “Winging It” Is Not a Retirement Plan Most
Americans spend more time planning a vacation than planning retirement. According to Fidelity, 61% of people don’t even know how much they need to retire — but everybody swears they’ll “figure it out later.” Zivae helps you figure it out now, without the tears, Google panic, or math-induced migraines.