Retirement Ready Advisers is an independent retirement-planning firm based in Coconut Grove, Florida. We help individuals, families, and working professionals make smarter decisions about retirement, investing, insurance, and overall financial wellness. Our goal is to make your options clear and give you a practical plan you can actually follow.

We focus on education, not sales. You’ll work directly with an experienced advisor who takes the time to understand your situation, explain your options in plain language, and design strategies around your goals—not around products. We specialize in retirement readiness, employer plans (401(k), 457, DROP), and helping you coordinate all the moving parts of your financial life.

No. We work with clients at many different stages—starting a career, raising a family, preparing to retire, or already in retirement. What matters most is your willingness to have a conversation and take steps toward your goals, not the size of your current account balance.

The first step is a complimentary consultation. We’ll talk about your situation, what you’re trying to accomplish, and where you feel stuck. From there, we’ll outline possible next steps—whether that’s a one-time checkup, ongoing planning, or focused help with a specific decision (like a pension or DROP election).

Your first meeting is all about you. We will:

• Ask about your goals, priorities, and concerns
• Review your current financial picture (retirement accounts, pensions, insurance, debt, etc.)
• Help you identify gaps and opportunities
• Explain, in plain English, how we can help and what it would look like to work together

You’ll leave with more clarity—and without any pressure to make an immediate decision.

We offer a range of planning and advisory services, including:

• Retirement planning and income strategies
• Employer plan guidance (401(k), 403(b), 457, DROP)
• Investment allocation and portfolio review
• Social Security and pension optimization
• Insurance review (life, disability, long-term care)
• Education funding and college planning
• Financial coaching and ongoing checkups

Yes—retirement planning is at the heart of what we do. We help you answer key questions like “When can I retire?”, “How much will I need?”, and “How do I turn my savings into income I won’t outlive?” We’ll build a plan and adjust it as your life, markets, and goals evolve.

Absolutely. We regularly work with employer retirement plans, including 401(k) and 457(b) plans, as well as options like DROP and self-directed brokerage windows. We can review your current investments, recommend changes, and show you how your workplace plan fits into your overall retirement strategy.

Yes. Insurance is often a key part of protecting your family and your retirement plan. We can review coverage you have through work or individually, identify gaps, and discuss strategies to help manage risks in a cost-conscious way.

Depending on the services you choose, compensation may be structured as advisory fees, commissions, or a combination of both. Before you move forward, we’ll explain how we’re compensated, what your costs are, and what you receive in return—so you can make an informed decision with no surprises.

Yes. When we provide investment advisory services, we act as fiduciaries—meaning we are obligated to put your best interests first. Our goal is to offer objective guidance that aligns with your needs, goals, and risk tolerance.

Our office is located at:

Retirement Ready Advisers
2937 SW 27th Avenue, Suite 106
Coconut Grove, FL 33133

We serve clients locally and across the country through in-person and virtual meetings.

Yes. Most investment and retirement accounts we work with offer secure online access, where you can view balances, track performance, and review documents. We’ll help you get set up and show you how to use any portals associated with your accounts.

At a minimum, we recommend an annual review to revisit your goals and your plan. Many clients choose to meet more often—especially around big life events like a job change, retirement date, market volatility, or major purchases. The schedule is flexible and based on what you need.

You can reach us by phone or email:

Office: 305-579-4040
Email: erik@rradvisers.com

You can also request a complimentary introductory call through our website to discuss your situation and see if we’re the right fit.

Yes. Many people come to us knowing they “should be doing something” but not knowing where to start. That’s exactly why we’re here. We’ll help you clarify your goals, organize your financial picture, and prioritize the most important next steps—one decision at a time.