Larry Pershing
CFP®, RMA®
Optimum Retirement Planning
Flat Fee Financial Advisor
Larry Pershing
CFP®, RMA®
Optimum Retirement Planning
Flat Fee Financial Advisor
Retirement is the biggest financial decision of your life. Get guidance from a specialist for a flat fee. - Larry Pershing, CFP®, RMA®
I help people retire and stay retired for a flat fee. Located in Chicago, IL, serving clients locally and across the country
Larry Pershing is a Chicago, IL flat fee financial advisor serving clients locally and across the country. Optimum Retirement Planning provides comprehensive financial planning, ongoing investment management and income tax planning to help near-retirees organize, grow and protect their assets through life’s transitions. Larry Pershing charges a flat fee, meaning our fees are NOT based on a percentage of your assets. As a flat fee, fee-only, fiduciary, and independent financial advisor, Lawrence Pershing is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Join Larry Pershing's FaceBook Group on Roth Conversions and Retirement
Hi, I’m Larry Pershing, a CERTIFIED FINANCIAL PLANNER™ and founder and CEO of Optimum Retirement Planning. I focus on helping people age 50 and better with their retirement planning needs.
Having worked in various wealth management firms in my career, I was surprised to discover many firms try to service everyone, which leads them to being average for all. Some are more concerned with amassing client assets than providing customized recommendations.
I started Optimum Retirement Planning™ because I saw a need for specialists to help clients navigate the complex and challenging financial aspects of retirement. Our offering is different. We don’t work with everyone. We specialize in helping those who are close to and in retirement. We apply the latest financial research for retirement to help answer your complex financial questions.
When I’m not in the office, I’m on a tennis court, reading a book (finance or science fiction), or spending time with family and friends. I also volunteer for AARP sponsored events that help seniors receive complimentary financial advice. While I live in Chicago, I was born and raised in Los Angeles. I return often, especially during winter. You can take the guy out of California, but you can’t take the California out of the guy!
Larry Pershing is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Optimum Retirement Planning LLC exists to help those close to and in retirement navigate the complex and challenging financial aspects of retirement. We apply the latest financial research in retirement planning to help answer your complex financial questions. We act as fiduciaries 100% of the time, and are fee-only, meaning we receive no commissions from financial products recommended.
We help answer:
1. When you can retire, and how much you can spend without running out of money.
2. How to reduce your taxes
3. How to optimize your Social Security benefits
4. How to enhance your retirement income.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Retirement Income Planning
- Tax Planning
- Investment Management
- Social Security Optimization
- Healthcare Planning Before Age 65
- Deciding when to take your Pension
- Pension Lump Sum Strategies
- Long-Term Care Planning
- Estate Planning
- Charitable Gifting
Ideal Clients
- Retirees and Near Retirees
- Individuals and families age 55+ or better
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Lawrence Pershing is a NAPFA-Registered Financial AdvisorThe National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Larry Pershing is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Larry Pershing is a Member of the XY Planning NetworkThe XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Larry Pershing is a Retirement Management Advisor® (RMA®)The RMA designation is an advanced certification for financial professionals that provides them with knowledge to build custom retirement income plans for their clients to better mitigate risk and ensure better outcomes. RMA professionals to take a holistic approach to your retirement needs and look beyond managing investments or retirement products and take a multidisciplinary approach to develop a complete framework for your retirement plan.
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Larry Pershing is Quoted in the Wall Street Journal: "Should You Retire Early to Get a Larger Lump Sum on Your Pension?"
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Larry Pershing is Quoted on Yahoo Finance: "This is the Best Time to Retire Early to Get More From Your Pension, Says New Report"
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Larry Pershing is Quoted in Financial Advisor Magazine: "The Stakes Are High For Retirement Investing, Advisors Say"
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Larry Pershing is Quoted on Kiplinger: "Retirees, This Is What It Takes to Be Your Own Insurer"
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Larry Pershing is Featured on Rethinking 65: "Retirees are the Sweet Spot for This 20-Something Advisor "
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Larry Pershing is Quoted in The Washington Post: "Want to rent out part of your home? Here’s what to know."
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Larry Pershing is Quoted on Barrons: "Are Roth 401(k)s Still a Good Deal? When to Use Them—and When to Pass."
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Larry Pershing is Quoted in Investor's Business Daily: "Advisors Tap New Communication Channels To Enhance Client Outreach"
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Larry Pershing is Quoted in the Seniority Newsletter: "Retirement Planning: What Your House Can Do for You"
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Larry Pershing is Quoted in "A retiree’s guide to mortgage refinancing" on MediaFeed
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Larry Pershing is Quoted in the Altoona Mirror: "How to chop remodeling costs when wood prices are high"
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Larry Pershing is Quoted in ThinkAdvisor: "How to Help Clients Draw Down Retirement Assets: Advisors' Advice"
Contact Larry Pershing
Office Locations:
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405 W Superior St
Chicago, IL 60654
