You'll make these decisions once. You'll live with them for 30 years.
Retiring from
Ford, GM, or Stellantis?
Pension lump-sum. NUA on company stock. 401(k) rollover. Social Security. IRMAA. Roth conversions. Get the guide made for you.
“Tremendous insight into all the variables one must consider when retiring. A MUST-READ for anyone in the automotive industry.”
No email or phone number required
Decisions We Help Big Three Retirees With
Retiring from a major automaker comes with a unique set of choices. Get them right, and you can retire with confidence. Get them wrong, and the cost can follow you for decades.
Pension: Lump Sum or Annuity?
-CHAPTER 2-Why Offer a Lump Sum?
Tax Efficiency
Strategic tax planning can save you tens of thousands over retirement. From Roth conversions to distribution sequencing.
Social Security Timing
Coordinating Social Security with your pension and personal savings can mean tens of thousands more in lifetime benefits.
-CHAPTER 9-When to File for Social Security
Transition from Healthcare to Medicare
If you retire before 65, you'll need a plan for healthcare coverage. If you retire at 65 or later, you can move straight onto Medicare. Either way, this requires careful planning.
Your Path to Clarity
Our Retirement Roadmap Process
A straightforward process designed to help you make confident retirement decisions
Read the Book
Written specifically for Big Three Retirees.
Read it, skim it, or listen to it. Move at your own pace and reach out for Step 2 whenever you're ready.
Discovery Call
A 15 to 30-minute conversation.
A chance for us to get to know each other. We'll learn your situation and decide if a Retirement Roadmap makes sense. If not, we'll point you in the right direction.
Schedule CallThe Analysis
We do the work. You do nothing.
A side-by-side breakdown of your pension options — modeled, stress-tested, and projected through age 95. This is where 25+ years of Big Three experience does the heavy lifting.
Your Roadmap
A written plan. Customized to you.
Year-by-year income plan, investment and tax strategy, and a 30/60/90-day action checklist. No pressure. No sales pitch.
What Our Clients Say
Real stories from retirees...
“Experience with the automotive industry was a reason why I recommend your firm to a coworker. My expectations were exceeded when RW Paul made the retirement process much easier than expected. The staff at RW Paul make me feel important and valued.”
Ray C
Client
“We were seeking a financial planner, who acts as a fiduciary, to work with as we moved into retirement. The advisors that we have worked with have been very knowledgeable. They listened to our desires and concerns, reviewed our financial situation and developed a workable plan that allowed us to retire.”
Raymond Z
Client
“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”
Dr. and Mrs. Kenneth K
Clients
“Extremely caring and concerned about my needs and finding a way to meet those. Just an outstanding group of people who are well-trained and most of all listen to their clients. You will find no one better for protecting your income for retirement.”
J T S
Client
“Levelheaded, listen well, articulate, realistic, and knowledgeable. I've worked with both Steve Paul and Matt Dombrowski. Both are very capable and both are very helpful in giving guidance to our overall plan. RWP has created a very solid financial plan that we are extremely confident in.”
KJH
Client
“I love working with Matt. He is always nice. Goes out of his way. I know about saving but nothing about investing. I don't worry because I have trust with him and the organization. I don't feel like a number. It's about customer service and trust and you guys have that.”
Tracy F
Client
“Both Richard and Matthew Paul have been very professional in overseeing our account. We have recommended your organization to others because you listened to us and provided a conservative program for our retirement savings. You have been a blessing.”
Marty & Judy S
Clients
“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”
Laura R
Client
“Experience with the automotive industry was a reason why I recommend your firm to a coworker. My expectations were exceeded when RW Paul made the retirement process much easier than expected. The staff at RW Paul make me feel important and valued.”
Ray C
Client
“We were seeking a financial planner, who acts as a fiduciary, to work with as we moved into retirement. The advisors that we have worked with have been very knowledgeable. They listened to our desires and concerns, reviewed our financial situation and developed a workable plan that allowed us to retire.”
Raymond Z
Client
“Steve, Matt and Matt have been so helpful and helped put our minds at ease. Personal attention and the sense that you have our best interests in mind.”
Dr. and Mrs. Kenneth K
Clients
“Extremely caring and concerned about my needs and finding a way to meet those. Just an outstanding group of people who are well-trained and most of all listen to their clients. You will find no one better for protecting your income for retirement.”
J T S
Client
“Levelheaded, listen well, articulate, realistic, and knowledgeable. I've worked with both Steve Paul and Matt Dombrowski. Both are very capable and both are very helpful in giving guidance to our overall plan. RWP has created a very solid financial plan that we are extremely confident in.”
KJH
Client
“I love working with Matt. He is always nice. Goes out of his way. I know about saving but nothing about investing. I don't worry because I have trust with him and the organization. I don't feel like a number. It's about customer service and trust and you guys have that.”
Tracy F
Client
“Both Richard and Matthew Paul have been very professional in overseeing our account. We have recommended your organization to others because you listened to us and provided a conservative program for our retirement savings. You have been a blessing.”
Marty & Judy S
Clients
“Easy to work with, helpful, and knowledgeable. I feel like I'm working with people I can trust. All of Richard Paul's associates are reliable people who seem to genuinely want to help.”
Laura R
Client
Meet the Team
Experienced professionals — including CFP® practitioners and CFA charterholders — dedicated to helping Big Three families retire with confidence.
Richard Paul
CFP®
Author of the Autoworker's Guide to Lump Sum Pensions-COMPLETE GUIDE-The Fulfillment Factor
Steven Paul
CFP®
Co-Host of the Retirement Approved PodcastRead: “Pension vs. Lump Sum: Which One Is Better?”
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