California Retirement Planning
Retire 101
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Retire 101 is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Bradley DeHaven
Registered Principal | Financial Advisor
Bradley V. DeHaven is a Financial Advisor in Fair Oaks, in the Sacramento, CA area. Brad’s clients span most of Northern CA. Brad has been licensed Series 7, & 63 since 1983 and obtained his Securities Registered Principal license, Series 24 in 2005. Brad also has his CA Insurance license. Some of Brad’s clients are three generations deep and he is proud to call them friends as well as clients.
Brad truly enjoys helping families plan for their future financial needs with predictable sustainable income planning. Brad believes that keeping current on the ever-evolving array of investment products is essential when servicing your clients’ diverse needs.
Brad has been married for 42 years to Lisa who he met in High School. Together they have two sons, Brandon and Bryce, and two daughters-in-laws’, Kayla & Sarah. We are also truly blessed to enjoy 3 beautiful grandchildren, Beau, Avery & Luca.
Brad is also the Author of two books regarding prescription drug abuse and addiction. Brad is a public Speaker and an Activist for education, awareness and reform. His family’s darkest moments lead to a passion to help others better understand addiction, and how innocently it can begin.
In addition to Brad’s two books; Defining Moments and The Addict Among Us, Brad has written many articles for recovery publications and has been interviewed on FOX, ABC, NBC, CBS, and Huff Post as well as in print and radio. Brad has talked with hundreds of parents and addicts through his advocacy and also as the former Host of the radio show; Afflicted By Addiction. Brad’s son celebrated 8 years clean from drug addiction which began with a prescription for a broken arm and nearly cost him his life.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in April–June 2026
- There are no events scheduled during these dates.
Our Downloads
Stress Free Retirement
This book has done for the annuity marketplace what Tax-Free Retirement did for life insurance. The response has been overwhelming. Nearly every person who reads this book wants to schedule a follow up with the person who gave it to them to discuss how this product can enhance their retirement. Don’t miss out! This is the book you have been waiting for. A book that could revolutionize your retirement years.
Our Blog
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
