Adam Kazinec — Retirement Income Strategist
Atlanta, GA  ·  Serving Clients Nationwide  ·  CLU®  ·  ChFC®  ·  RICP®
The strategy that looks right on paper isn't always the one you'll live by.
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~20Years in retirement income planning
40+Unique retirement outcome profiles
3Advanced planning designations
CLU®Chartered Life Underwriter
ChFC®Chartered Financial Consultant
RICP®Retirement Income Certified Professional
~20Years of specialization
Convergent FPConvergent Financial Partners
The Problem

Most retirement plans fail the person,
not the math.

The real risk isn't a market correction. It's a plan you can't stay committed to when conditions get uncomfortable.

"A strategy you don't emotionally believe in is a strategy you'll abandon under pressure." — Adam Kazinec, CLU®, ChFC®, RICP®

Two households with identical balance sheets can require completely different retirement income strategies. Because the people are different. Adam built his practice around that insight.

The Pattern
Emotions need stability. Strategy is growth-driven. Every market move becomes a crisis — not because the math is wrong, but because the plan never fit the person.
≠
The Cost
Panic selling. Repeated restructuring. Surrender charges. Anxiety instead of confidence.
With Alignment
Same assets. Strategy rebuilt around who they actually are. A plan they'll hold to.
Adam's Approach

A distribution strategist is not the same as a money manager.

Distribution planning — turning assets into sustainable income — is a fundamentally different discipline. Adam's entire practice is built around it.

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Income First
No product gets recommended until Adam understands the behavioral framework of the person receiving it.
Distribution Expertise
The RICP® is one of the most advanced credentials in retirement income planning. It's Adam's career focus.
Alignment Method
A proprietary framework identifies income personality before any strategy is built. The plan fits the person.
Structured Clarity
Clients understand their strategy because it was built around how they think — not sold to them.
Right Fit

This conversation is for you if —

  • You are within 5–10 years of retirement, or already drawing income.
  • You have meaningful assets you cannot afford to misallocate.
  • You have received generic advice that did not feel like it was built for you.
  • You want clarity, not a product presentation.
  • You are not certain your current strategy would hold up if you actually had to live on it.
Start Here

One conversation.
Real clarity.

No product presentation. No obligation. Just a structured, honest dialogue about where you are.

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Not Ready to Talk Yet?

Start with the checklist.

A short, no-pitch guide to the questions worth answering before your first retirement income conversation — with anyone.

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Working Together

What happens when you reach out.

No pressure. No pitch. Here is what a conversation with Adam looks like.

01
The Discovery Conversation
A 20–30 minute call. No documents required. Adam understands your situation and determines whether there is a genuine fit.
02
The Income Clarity Review
A structured review of your assets, income sources, and behavioral priorities — mapping your income psychology before any strategy is proposed.
03
The Strategy Session
A personalized retirement income framework — built around your specific situation, psychology, and goals. Not a template.
About Adam

Nearly two decades.
One consistent conclusion.

The plans that fail aren't failing because the math was wrong. They fail because the strategy never fit the person executing it.

After nearly 20 years, Adam has reached one consistent conclusion: two households with identical balance sheets can require completely different retirement income strategies. Because the people are different.

"My job is to make sure the strategy fits the person — not the other way around."
— Adam Kazinec, CLU®, ChFC®, RICP®
Chartered Life Underwriter (CLU®)
Chartered Financial Consultant (ChFC®)
Retirement Income Certified Professional (RICP®)
Managing Partner · Senior Wealth Manager
Convergent Financial Partners
Based in Atlanta, GA · Serving clients nationwide
Adam Kazinec
Free Education

Kaz's Korner — retirement income, unscripted.

Adam breaks down the same concepts he covers with clients in the room — no sales pitch, just the thinking behind the strategy.

New episodes cover distribution planning, tax-efficient withdrawals, Social Security timing, and the behavioral side of retirement income most advisors never talk about.

Watch on YouTube
Adam Kazinec
Kaz's Korner
@KazsKornerPodcast
Retirement Income Tax Strategy Social Security Behavioral Planning
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FAQ

Questions before we talk.

Anything not answered here — bring it to the first call.

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Who is this for?
Pre-retirees and retirees within 5–10 years of retirement or already drawing income, with meaningful assets they cannot afford to misallocate.
What does the first conversation look like?
A 20–30 minute call. No product presentation. Adam asks structured questions to understand your situation and determine if there is a genuine fit.
What makes Adam different?
Most advisors are trained in accumulation. Adam's entire practice is built around distribution — a fundamentally different discipline. He also holds the CLU®, ChFC®, and RICP® designations.
I already have an advisor. Is this relevant?
Many of Adam's clients came after years with another advisor — not because of incompetence, but because the strategy wasn't built around who they actually are.
What does it cost?
The discovery conversation is completely free with no obligation. Fees are discussed openly if both parties determine there is a fit.
Take the First Step

Clarity starts with one conversation.

No products. No pressure. 30 minutes.

Schedule a Conversation with Adam
app.greminders.com/c/adamkazinec/intro  ·  CLU® · ChFC® · RICP®  ·  Convergent Financial Partners