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HOME2025-08-25T15:43:41+00:00

Retirement Planning

Ryan Family Financial

At Ryan Family Financial, we believe no two individuals are the same. That’s why we’re dedicated to crafting personalized financial solutions tailored just for you. Whether you’re a fresh college graduate, starting a family, running a thriving business, preparing for retirement, or already enjoying your golden years, we’re here to guide you every step of the way.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

Explore options to protect your income in the event of a an illness or injury that prevents your ability to work.

Develop strategies to protect assets against the effects of inflation.

Ensure access to assets to meet life’s unexpected  needs.

Safeguard your loved ones and your home with mortgage protection so they can afford keep your family’s home.

Get a Free Quote

Get a Life Insurance Quote

Life insurance made easy. Get affordable coverage with our simple online quoting tool and application—quick, hassle-free, and on your terms. Apply on your own or connect with our expert team, who’s here to guide you every step of the way.

Step One

Simply complete the fields and run a quote.

Step Two

Choose the coverage you want and start the application.

Step Three

Follow the onscreen instructions and complete the application.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Have a Question?

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Here For You

Meet The Team

April Ryan

Co-Founder & Advisor

John W. Ryan III

Co-Founder & Agent

Gunnar

Chief Woof Officer

Syke

Director of Pawsitivity

RR

Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Events in October 2025

Our Downloads

Tips to Help Avoid “Market Panic” Reaction

Planning for retirement is never a “set it and forget it” activity: There are unexpected disasters, market drops, and changing laws that invariably cause retirees to reevaluate their plans.

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

Financial Literacy Videos

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    Belmont, NC 28012

    (704) 461-8339

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                        Skye

                        Chief Pawsitivity Officer

                        Gunnar

                        Chief Woof Officer

                        John W. Ryan III

                        Co-Founder and Agent

                        As co-founder and Chief Operating Officer of Ryan Family Financial, John is passionate about using his skills to help clients cultivate their financial dreams. In his role, John assists in managing the day-to-day operations and supports key functions that drive the company forward. He believes that it’s never too late to define oneself and one’s life path, and he’s inspired to help clients find their way toward a fulfilling retirement.

                        Before becoming a financial services professional, John enjoyed a successful career in the automotive industry for 25 years and 3 years in the home construction industry. In these roles, he held various management positions in Quality, Manufacturing, Operations, and Business Development. From these experiences, John gained a deep appreciation that the happiness of his clients always comes first. He brings a careful attention to clients’ needs, strong organizational and people skills, and an ability to thoughtfully listen. The personal connections he forms with clients enable him to help each person and family make the most of their opportunities. He believes that nearly any goal is possible to achieve with the right strategy guiding people toward action.

                        In John’s spare time, he enjoys spending time with his blended family, and grandchildren. Together, John & April also enjoy going on cruises to visit exotic destinations while making great friends along the way, antique shopping and attending college and professional football games. John and April have two dogs, Gunnar and Skye, who are also dedicated team members of Ryan Family Financial.

                        Professional Highlights

                        • Bachelor’s of Science in Mechanical Engineering from Virginia Tech
                        • Certified Quality Systems Auditor (Automotive Industry)h
                        • Insurance licenses in Life and Health

                        April Ryan

                        Co-Founder & Advisor

                        As a co-founder of Ryan Family Financial, April embodies the perfect blend of financial expertise and heartfelt compassion, truly acting as a financial fairy godmother for families across the Carolinas. With her unwavering dedication, she helps clients transform their dreams into a beautiful tapestry of financial success. April firmly believes that building a solid financial foundation is essential for any retirement plan, and she’s here to sprinkle a bit of her magic on your wealth-building journey. There’s no reason to wait—let’s work together to turn those financial aspirations into reality! With April by your side, you’re not just planning for the future; you’re investing in a brighter tomorrow.

                        With over two decades of experience under her belt, April started her journey in Concord, NC! With a heart as big as her expertise, April understands that financial planning isn’t just about numbers—it’s about people and their dreams. From her early days greeting clients to managing events and account transfers, she’s witnessed every twist and turn of the client experience, always with compassion as her compass. April believes that listening is the key to unlocking financial success, and she takes the time to understand what matters most to her clients, forming bonds that feel more like family than just business relationships. As a dedicated Financial Advisor, her goal is to create personalized financial plans that support families across generations, ensuring that each client’s unique aspirations are at the forefront of their financial journey.

                        April is originally from Cabarrus County, NC, where she lived her whole life before moving to Belmont in 2023 and quickly formed deep community bonds. In her free time, April loves baking with a specialty in low-sugar, gluten-free recipes. She also enjoys antique shopping and traveling, whether on a cruise ship or to the mountains. April is the doting mom of a blended family and a Mimi to six grandchildren. She and John also have two dogs who are dedicated team members of Ryan Family Financial.

                        Professional Highlights

                        • Associate’s in Business Management from Rowan Cabarrus Community College
                        • Bachelor’s degree in Early Childhood Education from Tennessee Temple University
                        • Series 65 securities registration
                        • Insurance licenses in Life, Health, Medicare Supplement, Long Term Care, and Property & Casualty

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