Services built for more

At Standard & First, we provide tailored services to help you create guaranteed income, protect savings and live the fullest life possible during your best years. Here’s how we do it:

Tax-Efficient Retirement Protection Strategies

Navigating retirement finances can be challenging, particularly regarding the tax implications of your assets. Our rollover services aim to maintain the tax-advantaged status of your investments, which is crucial for maximizing retirement savings. Many retirees unknowingly lose a significant portion of their income to taxes, impacting their quality of life.


By employing strategies designed to shelter your assets from unnecessary tax burdens, we enhance your spendable income throughout retirement. This proactive approach allows for a more stable and enjoyable lifestyle, freeing you from potential unexpected financial setbacks related to taxes.

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IRA and 401(k) Conversions and Rollovers


IRA and 401(k) conversions and rollovers can be complex, especially with IRS-mandated Required Minimum Distributions (RMDs), which may trigger unnecessary taxes and disrupt retirement plans. Many retirees are unaware of strategies to manage these withdrawals effectively. Our tailored analysis is designed to help reduce the tax burden, allowing your retirement accounts to grow tax-advantageously.


We focus on innovative RMD management techniques to optimize withdrawals, preserve your assets, and remain compliant, so you can enjoy a more fulfilling retirement without the stress of excessive taxes.

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Tax Minimization Strategies

When planning your financial future, understanding the impact of taxes on your assets is essential. Our tax minimization strategies target the risks of high tax rates that can damage retirement funds and limit retirement life. We work tirelessly to identify opportunities to lower tax liabilities, helping you retain more assets for your enrichment.


This tailored approach helps empower you to focus on your financial objectives without the burden of unnecessary taxation. By optimizing your retirement accounts, you can enjoy greater freedom in allocating resources to what matters most.

7702 Counseling

In an everchanging and unpredictable financial landscape, it's crucial to understand how to grow savings by earning market returns with no-loss guarantees. Our 7702 counseling gives you opportunities to use IRS guidelines to build tax-advantaged savings. This strategy maximizes retirement income while helping minimize tax exposure.


By integrating this into your retirement strategy, you can make certain your assets successfully support your long-term goals. Our team collaborates with you to identify opportunities that may strengthen your financial stability, giving you the confidence that no-loss protection brings to your retirement.

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Retirement Income Guidance

Planning for retirement is about building a reliable, long-lasting income stream that gives you the lifestyle you desire. Our retirement income guidance carefully examines your financial situation to provide a custom strategy that's designed to provide steady growth and risk management protection. Income that you can count on is essential as costs grow throughout your retirement life.


We help ensure you have guaranteed* and potentially tax-free income streams that last a lifetime, giving you the confidence that your resources will support you through the unpredictable stages of retirement life.


Long-Term Care

Long-term care is often overlooked in financial planning, yet it poses a significant risk to retirees' financial health. Many underestimate the costs associated with care, which can quickly deplete savings. Our strategies address this issue, providing you with a plan designed to protect your assets while providing for potential health needs.


Prioritizing long-term care in your strategy helps mitigate risks and protects your financial legacy. With a personalized approach, you can face the future confidently, knowing your plan includes contingencies for unforeseen healthcare expenses.

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Business Exit and Succession Strategies

Transitioning your business can be a significant and unfamiliar challenge. Without a clear exit plan, you and your family may not receive the just rewards of a lifetime of dedication and sacrifice. Our legacy strategies help you realize the true value of your business interest whether it is passed on to an outside party, business partner, or family member.


We work with you to outline a detailed plan that addresses your long-term objectives and eases the complexities of passing on your business. This preparation provides confidence, helping ensure your hard work continues to benefit future generations.


Legacy Strategies

Many individuals have distinct values they want to pass on to future generations, but preserving and transferring can be complex. Our legacy strategies focus on developing a personalized plan to protect your assets while effectively communicating your wishes to your heirs. 


Without custom planning, your legacy may not benefit the people and beliefs you intended. Our professionals will collaborate with you to create a master plan that protects your assets and makes certain your family and personal values are best served. This thoughtful approach helps ensure your legacy endures, leaving a lasting impact on your loved ones and the causes important to you.

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College Savings Strategies

Contributing to your child's education is one of the most important decisions you can make. However, with rising college costs, strategic planning is essential. Our college savings strategies help identify the most beneficial options to grow your savings while minimizing tax liabilities, addressing the challenge many families face in covering education expenses.


We guide you through various savings vehicles, such as 529 plans, to make sure you maximize contributions and achieve your goals effectively. By taking a proactive approach, you can reduce the financial burden of education costs, allowing your child to focus on their studies and aspirations without the stress of accumulating student debt. These strategies not only support your child’s future but also fosters a sense of financial stability for your entire family.