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What to Look for in a Retirement Income Specialist in Franklin

Do you want to get the absolute most out of your retirement?

Picture your perfect retirement scenario. Maybe you’re deep-sea fishing in sunny Hawaii. Perhaps you’re sitting on the porch of a rustic cabin on a chilly morning in Colorado. Wherever you’re hoping to spend the retirement phase of your life, a retirement income specialist can help you plan for the funding to live your dream.

Choosing the retirement specialist who best fits your needs is a daunting task—unless you know where to start.

Luckily, we’ve put together this handy list of what to look for in a retirement income specialist. The best news is you can find one right here in Franklin, Tennessee.

1. Appropriate qualifications.

The financial industry is packed with knowledgeable individuals with impressive credentials. Among the leading credentials is a Certified Financial Planner (CFP) who has the well-rounded background to understand your financial needs as a whole.

Seek out a CFP who follows fiduciary standards. These financial planners have the knowledge to fully advise you on your current financial situation, future obstacles, and wise investments.

Other financial professionals can assist you in specific areas of your retirement, but CFPs will have a more comprehensive approach.

2. Fair compensation.

Retirement specialists are paid in several ways. Investigate how your retirement specialist is being paid to be certain that there isn’t any conflicts of interest. Here are a few of the compensation possibilities: hourly, flat rate, retainer fee, percentage of your assets, commission, or a fee-commission combination.

3. A good gut feeling.

You know when your intuition tells you something’s not quite right? Trust it. If you meet with a retirement income specialist, and he or she feels more like a salesperson than an advisor, look elsewhere. A retirement specialist’s job should not be to sell you products. They should advise you on the decisions that will secure your financial future—regardless of commission.

Likewise, if you meet with a specialist who makes you feel welcome and taken care of, take notice. An advisor who is willing to listen to your needs and understand your unique situation will be the best person for the job.

4. Reputation and results.

A good (or bad) reputation follows a business like a shadow. Your retirement income specialist is no different. Ask around about the group or individual you’re considering. Also, ask about the advisor’s past clients and the results delivered. Although no two people have the same financial situation, the right specialist will be able to provide examples of successful cases.

Your retirement specialist should be rooting for your success. He or she should be explaining everything along the way, in simple terms. But most of all, the advisor should be someone you trust.

The Nail Wealth Team is helping your neighbors right here in Franklin. Reach out to our local office to set up a consultation appointment. We can walk you through how we help our clients meet their dream financial goals. You’re sure to feel like part of our family.

For a hometown touch, contact us today to learn more.

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Jeffrey T. Dobyns

CFP®, CLU, CHFC

President, SageSpring 

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Jeffrey T. Dobyns

President, SageSpring 

Beyond crunching numbers and investment strategies, at SageSpring, we’re about building relationships. When you encounter Founder & President of SageSpring, Jeff Dobyns, it’s easy to understand why this is at the very heart of who we are as a firm. You won’t find stuffy formalities with Jeff; instead, you can expect to find him sharing a warm smile, communicating a compelling vision, or patiently untangling life’s complex challenges with clients. He believes in truly getting to know clients, understanding their aspirations and priorities, and navigating their financial plans with a tailored, comprehensive approach. Our team members have often been caught taking notes on Jeff’s effortless relationship skills from a distance, and we admire them for striving to learn from one of the best. 

Jeff’s financial expertise and wisdom are the perfect match to his innate people skills. Jeff holds the prestigious CERTIFIED FINANCIAL PLANNERTM certification, Chartered Life Underwriter (CLU®), and Chartered Financial Consultant (ChLU®) designations, and has held executive positions with financial planning firms for more than two decades. 

His dedication extends beyond the office to the boardroom and the local community, where Jeff is passionate about giving back. He serves as Chairman of the Board of Men of Valor, a prison ministry and mentoring program. Jeff also serves on the board of Send Musicians to Prison, which shares hope, healing and restoration with the imprisoned through musicians & artists. Jeff actively supports other initiatives in the community by sitting on the board of The Signatry of Middle Tennessee and the Halftime Institute of Nashville. 

Witnessing his four children, Gracyn, Hunter, Tanner, and Logan, excel on the field is almost just as rewarding, if not more, than celebrating the victories of seeing his clients overcome obstacles and build wealth. Spending weekends boating on the lake, hiking mountain trails, and fishing with his family are the moments Jeff cherishes most. It’s this grounded perspective that reveals the true meaning of wealth for Jeff: not just numbers on a page, but the freedom to create experiences that enrich your life and the lives of those you love. When you choose the Dobyns McMillin Wealth Team, you choose more than financial expertise. You choose a partner who champions your dreams, celebrates your victories, and walks besides you on the path to achieving your unique goals.

**Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER TM, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.