Before 65 or After 65

Know Your Next Move

Protect your retirement income, savings, and family with safe money strategies — built around your situation, not a product shelf.

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What Would You Like to Know More About?

Every retirement is different. Whether you are still building your plan or already living it, we cover every piece of the income and protection picture — from the day you file for Social Security to the legacy you leave behind.

Growth

Social Security Planning

One decision. Permanent impact. We help you find your best claiming age before you file.

Annuities

Guaranteed growth. Guaranteed income. Principal that cannot go backward in a down market.




Life Insurance

Survivor income, tax-free legacy, and final expense coverage for every stage of retirement.




Long-Term Care Planning

The WA Cares Fund covers about five months. We help you plan for the rest.



Disability Insurance

Protect the income you are still building. A disability in your final working years can unravel everything.


Estate Planning Review

Wrong beneficiary. Outdated will. The law has changed. A review finds the problem before it becomes one.

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The Advisor Behind the Plan

Mark Rogers has spent more than 20 years doing one thing: helping people in eastern Washington build retirement income they cannot outlive and protection they can count on. He holds the Certified in Long-Term Care (CLTC) and Life Underwriter Training Council Fellow (LUTCF) designations, has been an active NAIFA member since 2008, and is the host of the Talking Turning 65 retirement education podcast.


He grew up in this part of Washington. He lives on a small farm outside Prosser. His clients are his neighbors — and he plans for them the way a neighbor would. Honestly, specifically, and without pretending the decision does not matter.


Before any product is discussed, Mark wants to understand your situation. That is not a sales technique. It is how he has worked for two decades.

Why Families in the Tri-Cities Trust Us With Their Retirement

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Learn Before You Decide — Everything Is Free

We put retirement education into the world before you ever call — through the Talking Turning 65 podcast, YouTube, live streams, and a plain-English blog. No sign-up. No obligation. By the time most people reach out, they already understand their options and feel confident asking the right questions.

Closing the Gap Between Social Security and What You Actually Need

Social Security replaces a portion of your income — not all of it. The gap between what it pays and what a family actually needs to live on is where retirement income planning begins. We help you close that gap with guaranteed income that continues for life, no matter what the market does.

Protecting Hard-Earned Money From Market Loss

Families throughout eastern Washington have spent decades building their savings. They cannot afford to lose it to a market correction at the wrong moment. Safe money strategies guarantee the income layer of your retirement plan cannot go backward — principal protected, market-independent, built to last.

A Policy Review With No Obligation to Buy Anything

Bring us your old annuity, life insurance policy, or disability contract. We will tell you exactly what you have and whether it still works for you. We have told clients their current policy is exactly right and nothing needs to change. That conversation matters just as much to us as any other.


For questions about Medicare and healthcare coverage in retirement, visit our partners at Next35Years.com →

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Losing my dad when he was only 48 changed the course of my life. It taught me that tomorrow isn't guaranteed and that families deserve a plan that protects what they've worked so hard to build. For the past 20 years, I've been honored to help hardworking people throughout rural communities navigate retirement by addressing three of the biggest threats to their savings: healthcare costs, inflation, and income taxes. There's nothing more rewarding to me than seeing clients retire with greater confidence, knowing they can enjoy life instead of worrying about their finances.


- Mark Rogers, LUTCF, CLTC

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Ready to Know Your Next Move? Start Here.

A free 20-minute consultation with Mark Rogers is the lowest-pressure first step you will find in the Tri-Cities. No pitch in the first call. Just an honest look at where you stand.


What to Expect When You Reach Out

You schedule the 20 minutes. We show up prepared to listen. You tell us where you are — what you have, what you are worried about, what you do not understand yet. We tell you what we see and what, if anything, is worth looking at more closely.


No paperwork before the call. No products discussed unless you ask. No follow-up pressure after.


If there is a fit and you want to go deeper, we talk about what that looks like. If there is not, we tell you that honestly and point you toward whatever resource would actually help. That is how we work — before 65 or after 65


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From the Blog: Retirement Answers for Eastern Washington