By Mike Gibbons, RICP®

You don’t have to look far for cookie-cutter financial solutions. But as a professional in the pharmaceutical and healthcare industries, you face unique challenges and opportunities that require a customized touch. That’s where we come in. At Gibbons Financial Group, we have made it our mission to provide financial planning and investment advice that simplifies your complex financial decisions so you can fully embrace your dream retirement. 

What We Do

As an independent financial advisory firm, we provide pre-retirees in the pharmaceutical and healthcare industries (along with their families) with comprehensive financial planning, including state-of-the-art technology-based income plans that incorporate Social Security claiming strategies. Our advice and services help our clients focus on their unique retirement-specific goals and give them a clear line of sight to their ideal financial future. 

We help you answer these common yet crucial questions:

• Which pension option should my spouse and I take?

• Should I leave my assets in my 401(k) plan or roll them into another account?

• How do my restricted stock units fit into my overall plan?

• Should I take Social Security early or delay claiming?

• How sustainable is my income at my desired retirement age?

• Will I need long-term-care insurance or should I roll the dice and fund that expense if I need the care?

How We Help

Many financial planning firms lack expertise in the benefits that you may have as a pharmaceutical or healthcare professional. We have geared our practice around a deep understanding of your benefits and can provide clarity to the questions and concerns you face. 

When you reach out to us, we begin by asking you to share your retirement vision so we can align your dreams with customized solutions. We examine your current financial situation, taking an inventory of your assets and income goals. We use this information to provide a sophisticated analysis of your potential cash flow and assets, showing you multiple potential pathways based on your unique life and goals, such as age at retirement or date you begin claiming your pension. Together we select the path that has the highest probability of financially sustaining you through retirement. From there, we implement your strategies and monitor your progress toward your goals, adjusting when necessary if life changes or you reach new milestones. 

The Gibbons Financial Group Difference

Right from the start, we do things differently. As an independent advisory firm, we are not motivated by commissions or sales quotas. Rather, we offer advice on a fee basis and put you first in every decision, providing transparency and frequent communication so you are never left wondering what’s going on with your money. Our clients tell us that they choose to work with us because we understand the world they live in and can help them make the most of what they have. 

We believe success should be your only option, not just a far-fetched hope or dream. If you want a financial plan tailored to your specific life and goals, reach out to us today at 224-419-5550 or Mike@gibbonsfinancialgroup.com to schedule a complimentary consultation.

About Mike

Michael J. Gibbons is founder and president of Gibbons Financial Group, an independent advisory firm providing custom-tailored financial planning and investment management services to pharmaceutical and healthcare professionals and their families. Mike has over 25 years of experience and spends a significant portion of his day working with pre-retirees and retirees, focusing on asset management, Social Security and pension planning, as well as retirement income preparation. Under the RIA, Mike helps manage approximately $150 million in assets under management and works with clients that meet a minimum investment criterion.

Mike has degrees in both business and psychology from Lake Forest College and currently holds his Retirement Income Certified Professional (RICP®) designation from the American College. Mike was named a Five Star Wealth Manager for 2015-2019* Mike is heavily involved in his community, having served on the Village of Gurnee Police Pension Board as a Community Volunteer and the St. Patrick’s Parish Financial Board. When he’s not working or volunteering, Mike loves playing golf and spending his time with his wife and children. To learn more about Mike and how he can help you, connect with him on LinkedIn, visit his website, and register for his free webinar, Retiring Early From Pharma, created specifically for professionals retiring from the pharmaceutical, biotechnology, and healthcare industries.

*As reported by Financial Planning Magazine, June 1996-2015, based on total revenue. Award based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management, among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2015 Five Star Wealth Managers.