Worried About Running Out of Money in Retirement? You're Not Alone.

Is the fear of running out of money, or becoming a burden to your family keeping you awake at night? I help you build a secure financial foundation so you never have to worry about outliving your savings. Money should never be your primary concern in retirement.
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Mike McGranahan

• Financial Advisor
• Security Specialist
• Educator

"I spent the first 15-20 years of my career helping young families establish a secure foundation. Now I'm helping those same families—and others entering retirement—ensure they never run out of money. My goal is simple: help you live with confidence knowing that money will never be your primary concern, no matter how long you live."

Security First
Your peace of mind matters more than maximizing returns. I focus on ensuring you have enough—not just more.
Independent Advice
I work for you, not a corporation. My recommendations arebased solely on what's best for your situation.
Lifelong Partnership
I'm here for the long haul. Helping you through every stage, from establishing security to maintaining it throughout retirement.

Are These Fears Keeping You Awake at Night?

If you're approaching or already in retirement, you face different challenges than you did during your working years. The strategies that helped you build wealth may not be the ones that protect it. Here are the three fears I hear most often:

1

Running Out of Money

This is the number one fear. You worked hard to build your nest egg—but will it be enough? What if you live longer than expected? What if healthcare costs more than you planned?

Leaving Your Family Unprepared

If something happened to you, would your spouse and children be okay? These aren't just financial questions—they're about protecting the people you love most.

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3

Becoming a Burden

You've worked your whole life to be independent. The thought of losing that independence... of needing your children or spouse to support you alone, and not being able to help is terrifying.

How We Help You

Every family is unique, and I take the time to understand your specific situation. My approach isn't about selling products—it's about building a comprehensive strategy that gives you confidence and peace of mind.

Guaranteed Lifetime Income

Income You Can't Outlive

I help you create guaranteed income streams that last as long as you do; whether that's 10 years or 40 years. You'll never have to worry about running out of money.

Understanding Your Budget

We look at your actual spending—not theoretical numbers. I help you understand what you really need to maintain your lifestyle and build a plan that supports it.

Healthcare Planning

Medical expenses are often the wildcard in retirement. We'll make sure you're prepared for healthcare costs without sacrificing your other goals.

Protection Strategies

Life Insurance Done Right

If you have young children or a spouse who depends on your income, proper life insurance isn't optional—it's essential. I'll help you determine exactly how much coverage you need so your family never faces financial hardship

Legacy Planning

Beyond just having enough for yourself, we'll look at what you want to leave behind. Whether that's for children, grandchildren, or causes you care about—we'll build a plan that honors your wishes.

Risk Management

Market volatility affects retirees differently than younger investors. You don't have decades to recover from a downturn. I help you balance growth potential with the protection you need at this stage of life.

Tax-Smart Distribution

Minimizing Tax Burden

How you take money out of your accounts matters as much as how much you saved. I help you structure withdrawals to keep more of your money working for you.

Social Security Optimization

When you claim Social Security can make a huge difference in your lifetime benefits. We'll analyze your options and create a claiming strategy that maximizes your household income.

Required Minimum Distributions

When you turn a certain age, the government forces you to take money out of retirement accounts—whether you need it or not. We'll plan ahead to minimize the tax impact of these required distributions.

The 3-Step Plan for Retirement Success

1

Discovery Call

First, I want to hear your story. What keeps you up at night? What are your goals for retirement? What concerns do you have about the future? There's no pressure, no sales pitch, just an honest conversation about where you are and where you want to be.

2

Comprehensive Analysis

I'll review your complete financial picture: income sources, assets, debts, insurance coverage, estate plans, and tax situation. This isn't just about investments, it's about understanding every piece of your financial life.

3

Personalized Strategy

Based on what I learn, I'll create a customized plan designed specifically for you. We'll cover: guaranteed income streams, protection strategies, tax optimization, legacy planning, and healthcare preparation. Everything to give you confidence and security.

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Our Team

Mike McGranahan

Mike McGranahan

Owner / Operator

"My goal is simple: help you live with confidence knowing that money will never be your primary concern, no matter how long you live."

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Mike McGranahan

Mike McGranahan

Owner / Operator

I've been helping families achieve financial security for over 25 years. What started with helping young families protect their futures has evolved into helping those same families—and others—navigate retirement with confidence.

I'm a straight shooter who cares deeply about the people I work with. You won't get sales pitches or pressure tactics from me. What you will get is honest advice, clear explanations, and a partner who's committed to your long-term success.

I'm a long-term thinker who's not here to make a quick commission. I want to build relationships that last decades. When you work with me, you're not just getting a financial advisor—you're gaining a trusted guide who'll be there through all of life's changes.

My Philosophy: Security Over Returns

Here's something that sets me apart: I don't believe in chasing maximum returns for retirees. Men often focus on making more money from their investments—that's the hunter instinct. But women, especially mothers, understand something crucial: security matters more than trying to get even richer.

In retirement, your goal shouldn't be to have the biggest portfolio. Your goal should be to never worry about money again. To know with absolute certainty that you'll be okay for the rest of your life, no matter what happens.

That's what I help you achieve. Not just wealth—but true financial security and peace of mind.

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Who I Work With

People Entering or In Retirement: This is my primary focus. If you're within 5-10 years of retirement or already retired, I can help you navigate this crucial transition and ensure your money lasts as long as you need it.

Young Families: I spent the first 15 years of my career helping young families establish security. If you're a parent worried about protecting your family's future, I understand those concerns and can help you build the right foundation.

Anyone Seeking Security: If you value peace of mind over maximum returns, we're probably a good fit. I work best with people who want to sleep well at night knowing their financial future is secure.

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Joe Clark

Joe Clark

CFEd®
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Joe Clark

Joe Clark

CFEd®

Joseph Clark of Brokers’ Choice of America has been providing assistance to retired, pre-retired clients and also independent advisors throughout the country for twenty-three years. He is an experienced teacher, published author and financial educator. He has extensive knowledge in the areas of preservation and distribution of wealth, retirement planning strategies, reduction of financial risk, lowering of taxes and protecting assets.

Joseph prides himself on his ability to provide his clients with proper planning and sound advice. His career in the Financial Services industry began as a Marketing Consultant. Joseph has earned his CFEd® certification with the Heartland Institute of Financial Education.

Joseph teaches health care planning and Income planning for retirees and pre-retirees. This experience has allowed him to become a successful advisor while assisting his clients in enhancing their piece of mind.

Joseph and his wife, Kimberly reside in Littleton, Colorado. They are the proud parents of three children: Haily, Kaira and Ivaiah, Grandson Makaio.

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Andrew V. Marin

Andrew V. Marin

Estate Planning Attorney
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Andrew V. Marin

Andrew V. Marin

Estate Planning Attorney

Andrew V. Marin is a licensed attorney in California.  Andrew partners with closely held business owners, professionals, families, and their advice-givers to plan for overall success.   He is outcome-oriented with a focus on efficiency and clarity.

Andrew’s immigrant grandparents and their imparted love of country started him on the way to helping others protect their American dream: transferring estates and businesses—intact—from one generation to the next. He is also a national educator on advanced planning topics for continuing education and continuing legal education.

An active board member of his church, he is a lifelong resident of Southern California.  Andrew is a member of the California State Bar, U.S. District Court, Southern and Central District of California Bar Associations.  Andrew enjoys traveling, music, the outdoors, volunteering, and being with his wonderful young family.

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Bruce Larsen

Bruce Larsen

Licensed Tax Advisor
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Bruce Larsen

Bruce Larsen

Licensed Tax Advisor

Bruce is a practicing financial planner and licensed tax advisor.

  • Bruce has been in accounting for over 30 years, working a corporate controller, a financial advisor, and developer of tax planning software.
  • Tax Acuity is tax planning software, available only to advisors who Bruce has trained, that allows advisors to model various retirement income strategies, and the taxes associated with these strategies, for their clients.
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Austin Sanders

Austin Sanders

Financial Advisor, serving clients as an Independent Fiduciary
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Austin Sanders

Austin Sanders

Financial Advisor, serving clients as an Independent Fiduciary

Austin has worked in the financial planning industry his entire professional career starting right out of college. He has a passion for working with clients and helping them achieve their long-term financial goals. He specializes in risk management and wants to ensure that during the investment allocation process, volatility is limited while still achieving returns needed to accomplish his clients' objectives. Serving clients as an independent fiduciary, Austin is legally required to put their interests first.

His decade of experience in financial planning has taught him the value of using a 3-tiered approach involving protection, income, and growth strategies when helping clients preserve their wealth. When he is not designing protected growth and income plans, Austin can be found on the golf course, in the gym, or adventuring with his beautiful wife Brittany and their two dogs.

Advisory services offered by Wealth Watch Advisors, LLC. Wealth Watch is an independent advisory service and not affiliated with WSA Financial nor any of it's affiliates. The company, and its investment adviser representatives, may not accept orders to affect purchase or sale transactions, accept funds, securities, or similar instructions via email or voicemail.

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