RetirementCare Plans is a retirement planning firm founded by Lew Baker, CFP®, focused on helping individuals and families protect their savings and create reliable income for retirement. Drawing on more than 30 years of financial experience, including work at Merrill Lynch and as a Morgan Stanley vice president, Baker emphasizes personalized planning over one-size-fits-all products. The process begins with understanding each client’s finances, goals, family circumstances, health concerns, and priorities, then using a comprehensive income analysis to clarify resources, future needs, and potential gaps.

The firm’s strategies address four key areas: guaranteed income designed to protect principal and provide payments for life; life insurance planning, including potential tax advantages; long-term care insurance to prepare for future care costs; and Medicare supplements to help address coverage gaps. RetirementCare Plans also highlights family contingency planning, retirement income and asset protection, and broader long-term care resources. Its approach prioritizes protection, clarity, and strategies intended to withstand market fluctuations and health-related expenses, helping clients make informed decisions about their retirement and the people they care for.