Retirement income, built for the distribution phase.


Fiduciary-first retirement planning and wealth management for individuals and couples approaching or enjoying retirement. Meet in person or virtually.

Fiduciary-first advice | Fee-based / transparent | Virtual meetings available | Distribution-phase focus

Everything You Need To Retire with Confidence.

From your first retirement income plan to ongoing portfolio and tax strategy. We coordinate every moving part so your money supports the life you want.

Retirement Readiness

Understand where you stand and what steps will help you move confidently toward retirement.

Social Security Optimization

Explore strategies to help you maximize your Social Security benefits and coordinate them with your overall retirement income plan.

Retirement Withdrawal Strategy

Create a structured approach for drawing income from your retirement accounts while managing taxes and longevity risk.

Investment Management for Retirement Portfolios

Build and manage an investment strategy designed to support income needs and long-term stability in retirement.

Why Choose Cochran Mickels?

 What is a fiduciary

Your Goals, Our Focus

Every decision is made with your aspirations in mind, not third-party interests.

Your Interests First

As fiduciaries, your needs always come first—no compromises.

Comprehensive Planning, Tailored to You

From vision to execution, we’ll outline a roadmap to help you pursue your goals.

Meet With Us Virtually—Wherever You Are.

Prefer a video meeting? We’ll guide you through the same process you’d get in-office—securely, clearly, and on your schedule.

Transparent, Fee-Based Approach

Experience clarity and trust through open, honest conversations.

Testimonials

  • Cityscape of New York City buildings under a bright sky.

    Troy


    Just wanted to take a moment and thank Mike, Lucas and his team at Cochran Mickels. We have been using them for around 10 years and everything has gone great. They always respond quickly to any questions or concerns anyone from my family has. I feel confident in what they are doing and excited to continue to see our family’s growth continue to grow with help with their strong hands.

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  • Birch trees in a grassy field with the sun shining through.

    Amelia


    We first met with CochranMickles when my husband was getting ready to retire. We did a lot of Internet researching before we decided upon that appointment. We were as nervous about the prospect of someone else going over our finances as we were about being able to afford retirement. We’d heard horror stories about retirees who were duped by financial advisors who turned out to be unscrupulous. We quickly surmised this would not be the case here. Meeting with them to do our retirement plan was money well spent. A few years later, after my husband retired, we asked CochranMickles to handle our retirement.

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  • Blurred, colorful lights; bokeh effect. Blues, greens, reds, and yellows.

    Norm


    I want to thank CochranMickels for fifteen years of steady growth in my Trust and Savings Accounts. Your availability and counsel have provided me with a secure financial plan that allows me to be confident that those who succeed me will benefit. In addition, it is comforting to know that I can call on CochranMickels when questions arise on wills and other financial related matters. Both you and my account executive, Lucas Staples, have been a pleasure to do business with. I look forward to more years of financial security with your company.

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The experiences and opinions expressed in the testimonials are those of the individual clients and may not be representative of the experiences of all clients. There is no guarantee that all clients will have similar experiences or results. Testimonials are not indicative of future performance or success. Past performance is not a guarantee of future results. Investing involves risk, including the potential loss of principal.

Couple looking at laptop, holding a small dog, on a bed.

Accumulation



Transition



Distribution

(Our Focus)

Focused on the distribution phase—where retirement plans succeed or fail.

Most financial advice is built around accumulating assets. Retirement is different—you’re drawing income, managing taxes, and protecting your lifestyle through changing markets. Our planning is built around the distribution phase so your income strategy stays sustainable and adaptable.

Talk to a Retirement Specialist

Ready for a retirement plan built for the distribution phase?

Virtual meetings available.

Get Started with Your Complimentary Consultation Today

What happens after you reach out

1

We Schedule our Complimentary "Get Acquainted" Meeting.

We meet at a time and place that works for you; virtual or in-person. 

2

We Review & Create Clarity.

We identify what you have, what you need, and biggest risks.

3

We Begin Creating Your Distribution Plan.